One with two uses them to gain two. Third servant hid his one talent in the ground. According to rabbis, a hole is the safest place. C. Master returns after a long time. First two servants bring their results, a doubling.
Last servant comes with an excuse.
The master is hard-nosed. The servant was afraid. He gives back single talent. D. Master rips into unproductive servant. He doesn't defend self, but calls servant lazy and wicked.