Two servants are given a huge amount of money, they take risks, work hard and double the investment. The third servant also gets money to invest. He plays it safe, stashes his master's money, out of fear of losing it, and he is thoroughly chastised, stripped of his belongings, and "banished to the outer darkness". What's the message here?
You should not read this as a metaphor for our relationship with God. The God (of Jesus) is different.