I made a mistake in my analysis in God doesn’t owe you anything.
The primary mistake that I made is that God requires that we have personal responsibility. But that is not true. Personal responsibility is responsibility that is “personal.” Personal is of the self and of the selfish nature. It is a quality of the flesh.
Instead, the parable itself is clear on what happens:
Matthew 25:14-30 (NASB) — Parable of the Talents
14 “For it is just like a man about to go on a journey, who called his own slaves and entrusted his possessions to them. 15 To one he gave five [a]talents, to another, two, and to another, one, each according to his own ability; and he went on his journey. 16 Immediately the one who had received the five talents went and traded with them, and gained five more talents. 17 In the same manner the one who had received the two talents gained two more. 18 But he who received the one talent went away, and dug a hole in the ground and hid his [b]master’s money.
The man going on the journey, the Father, gives out talents to his servants to be stewards of them. Thus, we are not called to personal responsibility, but instead we are called to stewardship (Merriam-Webster definition):
the conducting, supervising, or managing of something; especially: the careful and responsible management of something entrusted to one’s care <stewardship of natural resources>
Therefore, let us not focus on the self (personal responsibility), but instead proper allocation of our time and resources taking into account the call for which God has called us to in Him (stewardship).