The purpose of the parable of the talents is to reward people who preached the gospel and lived it out and to grant them eternal life. But if people don’t preach if they had ability they may not be saved or maybe if they found it difficult to because they didn’t discover their talent and it is too late to if they have opportunity to repent they might be saved if they support others work but they must not be lazy or they will lose their life but they won’t have much reward as they did not use all their talents or bring many to Christ. But if one is not using his talents I don’t think he will go to outer darkness which is hell but he may go to a purgatory so he will lose his life as he is not serving Christ. He will not go to hell only if he is not lazy in doing what he finds he can do . Perhaps the man with the one talent only had ability to support others and that was his talent and he was complaining God didnt give him ability to do what some others can do. Though it would have been possible for some to learn what others can do or one does not know if he doesn’t have the talent but he has to seek if he does or not. People are rewarded incase they are lazy or not not whether they save others or not. God will make sure another does job one is supposed to do so there is no loss due to them. God will give the talent to another to do job. Actually I don’t think the one who doesn’t preach who has ability to will go to heaven if one does not have ability he must deposit with the bankers that is support Christians who work for the Lord. The parable of the virgins teach we should be living a pure life and doing charity Matthew 25 just is to show some will be saved for repenting at the end of any evil if they have chance to repent and doing good to one or trying to do good to all of Christ brethren who come