“But he that had received the one talent, came and said: Lord, I know that thou art a hard man; thou reapest where thou hast not sown and gatherest where thou hast not strewed. And being afraid, I went and hid thy talent in the earth. Behold here thou hast that which is thine.” Matthew 25:24-25
“For our nature is not only utterly devoid of goodness, but so prolific in all kinds of evil, that it can never be idle. Those who term it concupiscence use a word not very inappropriate, provided it were added, (this, however, many will by no means concede,) that everything which is in man, from the intellect to the will, from the soul even to the flesh, is defiled and pervaded with this concupiscence; or, to express it more briefly, that the whole man is in himself nothing else than concupiscence” John Calvin, Institutes of the Christian Religion, Bk.2, Ch.1, Sec.8
Calvin sounds a lot like the man with one coin, saying to himself, “whatever I do with this coin won’t be good enough, so I won’t do anything at all!” Indeed, the Lord deserves an infinite payback for His goodness to us, but He’d rather have us do something however small, than nothing at all. Even if all we do is ask for and receive the deposit of His grace, He will work in us to produce a few pennies of interest on that coin, which is still better than nothing.