All 3 servants were given talents to work with. The talents were given according to the ability of the servant. (The Master knew what they were capable of). The servants who receieved the 5 & 2 talents both did the same thing: went at ONCE and put his money TO WORK and GAINED five more. Although they were given the talents, they were not told how to invest (or use) them. (but they did understand that they were expected to produce an increase.) The Master expected a return on the talents he trusted the servants with. The servants who produced an increase were called good and faithful and had their responsibilities increased. The servant who hid his talent was called WICKED and LAZY, had his talent taken away, and was thrown outside. Was he called wicked solely because of his failure to use his talent wisely or was it because of his reasons why? ("You are a hard man, reaping where you did not sow)" Is the word "afraid" in Matt. 14: 25 an accurate translation?
Finally, the faithful servants made no mention of the Master's methods or practices. They saw the giving of the talent to they as a sign of trust & belief in what they could do (or what fruit they could produce) and understood that they were to produce an increase.
I think this parable has layers of meaning with the most obvious one being that God has gifted us for service in His Kingdom and when His Son returns, we will have to give an account of how we made use of the many blessings he gave us while we were on this planet. God means for us to impact a lost world through His gifts in us.
I hope this helped you. Just continue to ask the Holy Spirit to guide you into all truth & understand and He will reveal to you what God has for you in this parable.