Matthew 25:24
He also who had received the one talent came forward, saying: master, I knew you to be a hard man, reaping where you did not sow, and gathering where you scattered no seed. The one-talent servant's self-justifying report: I knew you to be a hard man. The accusation against the master is the servant's explanation for his behavior — he was afraid of the master's severity and therefore buried the talent rather than risk losing it in a failed investment.