Matthew 25:26

His Lord answered and said unto him
Resenting, as he well might, not only his indolence and sloth, his neglect of his duty, and his worldly disposition, but the abusive character he had given of him, in order to cover his own wickedness:

thou wicked and slothful servant;
a very just character of him: he was a "wicked" servant; all men in a state of nature are wicked; they lie in wickedness, and are under the power of the wicked one; and there are many wicked men among professors of religion, and many wicked ministers, who, though not openly profane, yet either trusting to their works, or doing the work of the Lord deceitfully, or wholly neglecting it, justly merit this character. This man's wickedness lay in his slothfulness, in not doing the good he might, and had gifts and abilities for; and in entertaining wrong thoughts of, and in bringing false charges against his Lord: and he might be truly said to be "slothful"; since he took no pains to improve in spiritual knowledge; and instead of digging for that, as for silver and hid treasure, dug in the earth, and hid his talent there: he neglected the gift that was in him; did not stir it up, or study to show himself a workman that needeth not to be ashamed; did not give himself up to reading, meditation, and prayer; but trusted to, and depended on what other men had done; stole away his neighbour's words, reaped that for which he had not laboured, and entered into the labours of others; and being afraid of difficulties, indulged himself in ease and pleasure, served his own belly, and not the Lord Jesus; he gratified his worldly lusts, and had no regard to his master's interest.

Thou knowest that I reap where I sowed not, and gather where I have
not strawed:
not granting that he was such an one, and that his servant knew him to be such, and had given a true character of him; but supposing he was such a person he had wickedly represented him to be; he turns the argument upon him, that therefore he must needs know, that he expected to have had his money improved, and to have received it with an increase; and that upon such a consideration he ought to have been the more diligent and industrious, in using and improving his talent, and not to have indulged sloth, and idleness; and thus he convicts, judges, and condemns him, as a wicked, slothful servant, by his own words.