Agreed.
Also, I know the phrase itself is not in the Bible, but it sums up the concept of the Parable of the Talents, as told by Jesus.
And as you mentioned regarding God’s understanding of human nature, the master called the 3rd servant “wicked and lazy.”
I know but it’s a little pet peeve of mine, similar to when I hear people say that “money is the root of all evil” when it is “the LOVE of money....” Money is not inherently evil or good but what we do with it and how we view it is where we get in trouble.