THE SLOTHFUL SERVANT did not correspond with grace and made no use of it, and used his natural gifts only in the service of the world. His faith was a dead faith, without love and without zeal. He excused himself by pleading that Almighty God was "hard," that His commandments were too difficult to keep, and that He required what it was impossible to give. His harangue and excuses, however, profited him nothing, because the very fact of his knowing that God's judgments are severe, ought to have made him exert himself to keep His laws. If he had corresponded with the grace he had received, he would have merited further grace, and would have been praised and rewarded. But he was slothful, did not profit by grace, and thus lost what grace he had (as we see lukewarm Christians lose even the gift of faith), and was thrust out of the kingdom of grace into the exterior darkness of hell.
[From 'A Practical Commentary on Holy Scripture' by Bishop Knecht, D.D.]
(1899 Douay-Rheims Bible)