21. For I feared you, because you are an austere man. You take up what you did not lay down, and you reap what you did not sow.'
22. He said to him: 'By your own mouth, do I judge you, O wicked servant. You knew that I am an austere man, taking up what I did not lay down, and reaping what I did not sow.
23. And so, why did you not give my money to the bank, so that, upon my return, I might have withdrawn it with interest?'