"This unprofitable servant was not ignorant of God's plans, but he set himself firmly to thwart the purpose of God, charging Him with unfairness in requiring improvement upon the talents entrusted to him. This very complaint and murmuring is made by a large class of wealthy men professing to believe the truth. Like the unfaithful servant they are afraid that the increase of the talent that God has lent them will be called for to advance the spread of truth; therefore they tie it up by investing it in earthly treasures and burying it in the world, thus making it so fast that they have nothing, or next to nothing, to invest in the cause of God. They have buried it, fearing that God would call for some of the principal or increase. When, at the demand of their Lord, they bring the amount given them, they come with ungrateful excuses for not having put the means lent them by God out to the exchangers, by investing it in His cause to carry on His work. 3T 386.1"
"Then he which had received the one talent came and said, Lord, I knew thee that thou art an hard man, reaping where thou hast not sown, and gathering where thou hast not strawed: And I was afraid, and went and hid thy talent in the earth: lo, there thou hast that is thine."
EGW directly quotes and expands upon the excuse of the unprofitable servant in Matthew 25:24-25, drawing a direct comparison to wealthy individuals who hoard their resources instead of investing them in God's work.