Matthew 25, consists of Three Parables of Jesus: Parable of the Ten Virgins (25:1-13); Parable of the Talents or minas (25:14–30); The Sheep and the Goats (25:31–46).
The ‘Well Done’ is said to both servants who were given the five and two talents because they used it well on behalf of the ‘Master’: “The man with two talents also came. ‘Master,’ he said, ‘you entrusted me with two talents; see, I have gained two more.’ “His master replied, ‘Well done, good and faithful servant! You have been faithful with a few things; I will put you in charge of many things. Come and share your master’s happiness’ (vv. 22-23)!
The third servant is shamed by his master because his irresponsibility demonstrates his lack of love. We read in Matthew 25: “Then the man who had received one talent came. ‘Master,’ he said, ‘I knew that you are a hard man, harvesting where you have not sown and gathering where you have not scattered seed. ‘So, I was afraid and went out and hid your talent in the ground. See, here is what belongs to you.’ “His master replied, “‘You wicked, lazy servant! So, you knew that I harvest where I have not sown and gather where I have not scattered seed? Well then, you should have put my money on deposit with the bankers, so that when I returned I would have received it back with interest” (vv. 24-27).
The Sheep and the Goats: “When the Son of Man comes in his glory, and all the angels with him, he will sit on his glorious throne. All the nations will be gathered before him, and he will separate the people one from another as a shepherd separates the sheep from the goats. He will put the sheep on his right and the goats on his left. “Then the King will say to those on his right, ‘Come, you who are blessed by my Father; take your inheritance, the kingdom prepared for you since the creation of the world. For I was hungry and you gave me something to eat, I was thirsty and you gave me something to drink, I was a stranger and you invited me in, I needed clothes and you clothed me, I was sick and you looked after me, I was in prison and you came to visit me. “The King will reply, ‘Truly I tell you, whatever you did for one of the least of these brothers and sisters of mine, you did for me.’” The King will reply, ‘Truly I tell you, whatever you did for one of the least of these brothers and sisters of mine, you did for me.’
“Then he will say to those on his left, ‘Depart from me, you who are cursed, into the eternal fire prepared for the devil and his angels. For I was hungry and you gave me nothing to eat, I was thirsty and you gave me nothing to drink, was a stranger and you did not invite me in, I needed clothes and you did not clothe me, I was sick and in prison and you did not look after me'” (vv. 34-43).
Rewards in the kingdom of heaven are given to those who serve without thought of reward. There is no hint of merit, God gives out of grace, not debt.