His master replied, 'I will judge you by your own words, you wicked servant!' (Luke 19:20–22).
The first thing to say about this servant is that his characterization of the master is grossly unfair. He is trying to make out that the master is some kind of vicious exploiter of the working classes, always looking to make a fast buck. But it's quite clear that he's nothing of the kind. He has entrusted ten servants with the equivalent of £50,000 or more. Remember, these were slaves—they didn't even have the status of an employee in the ancient world. Yet he commits to them this considerable wealth, putting it at their disposal to use while he's away. What's more, the reward which he grants to the first two servants on his return makes it quite clear that, far from being exploitative and ruthless, this man is a benefactor. He is only too willing to share with these slaves not just the management of his estate while it is convenient to him, but the enjoyment of his estate now that he has come into his full inheritance.
The third servant, in his acrimonious slander of the master's character, is simply projecting on to him his own mean-minded and mercenary disposition, it seems to me. He is embittered by something, perhaps his status as a slave. Maybe he feels some deep resentment at being given only £5,000 to play with, believing he could have done with more. Perhaps he is conscious that the other slaves have made rather better use of their money than he has, and feels somewhat peeved. Whatever the reason, the result is that he can't bring himself to believe in the kindness and generosity of the master. His behaviour is sulky. He wraps the money up in a handkerchief; 'I was afraid' is the excuse he offers. In a sense he was, I suppose, afraid that he might not be successful, afraid he would fail.
A traveller in the southern states of the USA once stopped in a small township. He paused to talk to one of the farmers sitting at the entrance of his home. 'How's your cotton coming along?' said the traveller.