Deception is rarely obviously false, if it were, it would not be deception. The very nature of deception is that it looks like truth, and is usually partly true. If Satan can mix just enough truth, with just enough false, and get you to believe it, he has blinded you to the real truth. So it is very important to have understanding, knowledge without understanding will not lead you to the truth. The New Age movement has knowledge, Hindus have knowledge, every false cult has knowledge but they lack understanding to discern what is true and what is false.
Many people are like that.
Even having a Ph.D. will not give you understanding, understanding comes from the Holy Spirit and is actually a gift of the Holy Spirit which is called a Word of Wisdom, or word of understanding. A word of wisdom is when you understand something in the Scriptures that you did not understand before. As you grow in your Christian walk you can also grow in the overall amount of wisdom and understanding which you have. The talent was a unit of money, but it applies to every area of our lives. Jesus said a man was given five talents and put the money to work and gained five more, another man was given two talents and gained two more, but the one who was given only one talent hid his talent in the ground and did not gain anymore.