A talent is a measure, something weighed, an amount. A "bag of gold" cheapens it, for sure, but in a way, so does considering it to be nothing more than "an ability" or a "station in life". Good morals are embedded into what Jesus says, but the first line of the parable should be examined:
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For it will be like a man going on a journey, who called his servants and entrusted to them his property.
"It" is referring to the kingdom of heaven, which is the target and core of the gospel message, the Bible generally, and all of creation. The man is Jesus himself. His servants are those who accept that position and also those who do not. His property could be considered to be wealth or standing or skills, since everything belongs to him, but everything he speaks of is primarily spiritual, not temporal, so what he entrusts to his servants is also primarily spiritual; namely, well, human souls.
It is good to consider the message in the parable to be about giving to the poor, and using talents in service to others, and showing mercy where it isn't deserved. Only consider that the purpose is not only in doing good for others, but also in acknowledging the servants' position relative to the man giving these talents.
The offense of the third servant was not so much his 0% ROI, but his failure to recognize his own place, judging his master as "a hard man, reaping where [he] did not sow." Altruism doesn't change this.
The real treasure of the parable is:
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You have been faithful over a little; I will set you over much. Enter into the joy of your master.
Jesus teaches that the entire law of God hinges on two things: Loving God and loving others. The author here describes the latter beautifully by tending to those in need. Loving God means first accepting that lowly position of need yourself.
This parable has layers of meaning. This is the first layer, in which a person examines himself and his position relative to God. A servant faithful with little is given more, and the parable takes on a new meaning in the context of the church and the measures given of the Holy Spirit.
Also, I do want to point out that Jesus does not say to teach a man to fish. I don't know who came up with that. He says to fishermen, "Follow me and I will make you fishers of men." Very different meaning, and again, it's spirit versus flesh; kingdom of heaven versus the world; eternal versus temporal. His focus is always on the former.
Also, also, I do dispute this:
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I cannot look around this planet and observe all of its beauty and say, there was no divine intervention here! At the same time, I am well aware that I cannot use the bible as a science book, nor can I use it as a history book. It has its flaws.
The scope of this claim is far too broad to cover as an afterthought, but it could make a good bar topic. If you haven't read this thesis that gives a very different perspective concerning the bible (and other ancient texts) as a valid historical and even scientific source, as far as collection of data is concerned, then I highly recommend doing so when you have some time and an open mind:
https://creationism.org/patten/PattenBib....Written in 1966 and it is scientifically dense! Not like what passes for science today. It's a shame what has been taught in school for generations and this perspective is buried in obscurity.