The slave who buried his one talent could feel secure in the knowledge that he had taken a safe, risk-free course of action on his master's behalf. Rather than taking a risk, this servant had operated out of a motive of fear. His own fears undermined the sense of accountability that his master expected of him. The master's judgment is harsh and quick. Those willing to risk nothing actually risk losing everything.
Life is a risk.
Those who refuse to risk, who refuse to change, are not living by faith. Christians are not called to play it safe. They are called to take a risk for God and for others. God risked everything in Jesus. We too are called to take risks.