Is the Third Saviour So Irresponsible?

The third servant, 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. So i was afraid, and i went and hid your talent in the ground. Here have what's yours. The explanation for his faithlessness, for his irresponsible, for his lack of stewardship, was that he didn't trust the master. He accuses him, even of wickedness. I think wha's going on here is he didn't believe that the master was one who rewards faithfulness. That's what i think is happening. If god has entrusted you with something, he