The exchangers - The "exchangers" were persons who were in the habit of borrowing money, or receiving it on deposit at a low rate of interest, to be loaned to others at higher interest. They commonly sat by "tables" in the temple, with money ready to exchange or loan. See Matthew 21:12. This money was left with the servant, not to exchange, nor to increase it by any such idle means, but by honest industry and merchandise; but since he was too indolent for that, he ought at least to have loaned it to the exchangers, that his master might have received some benefit from it.

With usury - With interest, increase, or gain. The word "usury," in our language, has a bad signification, meaning unlawful or exorbitant interest. This was contrary to the law, Exodus 22:25; Leviticus 25:36. The original means "gain," increase, or lawful interest.

With usury - Συν τοκω, with its produce - not usury; for that is unlawful interest, more than the money can properly produce.

Thou oughtest therefore to have put my money to the exchangers,.... "Trapezites", or "tablets", the same whom the Jews (z) call and is the same word which is here used in Munster's Hebrew Gospel; who were so called from the table that stood before them, on which they told, and paid their money, and the exchange and use: hence all the Oriental versions here read, "thou shouldest have put my money to, or on the table"; put it into the hand of these bankers, where it would have been not only safe, as in the earth, where it was hid, but also would have made some increase, and would have been returned with profit,

and then at my coming I should have received my own with usury: this is said not so much to encourage usury, though it may be lawful; and it seems to have been a practice in those times to put money out to use upon a reasonable interest; but to reprove the sloth and inactivity of this servant, upon his own reasonings, and the character he had given of his master,

(z) Maimon. Hilch. Shekalim, c. 1. sect. 9. & c. 2. sect. 1.

Put (βαλεῖν)

Lit., throw or fling down, as one would throw a bag of coin upon the exchanger's table.

Exchangers (τραπεζίταις)

Taking their name from the table or counter at which they sat (τράπεζα). The Jewish bankers bore precisely the same name.

Usury (τόκῳ)

A very graphic word, meaning first child-birth, and then offspring. Hence of interest, which is the produce or offspring of capital. Originally it was only what was paid for the use of money; hence usury; but it became synonymous with extortionate interest. Rev., better, with interest. The Jewish law distinguished between interest and increase. In Rome very high interest seems to have been charged in early times. Practically usury was unlimited. It soon became the custom to charge monthly interest at one per cent a month. During the early empire legal interest stood at eight per cent., but in usurious transactions it was lent at twelve, twenty-four, and even forty-eight. The Jewish bankers of Palestine and elsewhere were engaged in the same undertakings. The law of Moses denounced usury in the transactions of Hebrews with Hebrews, but permitted it in dealing with strangers (Deuteronomy 23:19, Deuteronomy 23:20; Psalm 15:5).

Thou oughtest therefore to have put my money to the {e} exchangers, and then at my coming I should have received mine own with usury.

(e) Bankers who have their shops or tables set up abroad, where they lend money at interest. Usury or loaning money at interest is strictly forbidden by the Bible, Ex 22:25-27 De 23:19,20. Even a rate as low as one per cent interest was disallowed, Ne 5:11. This servant had already told two lies. First he said the master was an austere or harsh man. This is a lie for the Lord is merciful and gracious. Next he called his master a thief because he reaped where he did not sow. Finally the master said to him sarcastically why did you not add insult to injury and loan the money out at interest so you could call your master a usurer too! If the servant had done this, his master would have been responsible for his servant's actions and guilty of usury.

25:27 To the exchangers. To the bankers. If the lord was so exacting as he supposed, he ought at least to have put his money to use with the money brokers that it might have earned something.

Usury. Interest. The Jews were forbidden to take it from their brethren, but were allowed to take it from aliens. See De 23:19,20.

25:27 Thou oughtest therefore - On that very account, on thy own supposition, to have improved my talent, as far as was possible.

27. thou oughtest therefore to have put my money to the exchangers-the bankers.

and then at my coming I should have received mine own with usury-interest.

25:14-30 Christ keeps no servants to be idle: they have received their all from him, and have nothing they can call their own but sin. Our receiving from Christ is in order to our working for him. The manifestation of the Spirit is given to every man to profit withal. The day of account comes at last. We must all be reckoned with as to what good we have got to our own souls, and have done to others, by the advantages we have enjoyed. It is not meant that the improving of natural powers can entitle a man to Divine grace. It is the real Christian's liberty and privilege to be employed as his Redeemer's servant, in promoting his glory, and the good of his people: the love of Christ constrains him to live no longer to himself, but to Him that died for him, and rose again. Those who think it impossible to please God, and in vain to serve him, will do nothing to purpose in religion. They complain that He requires of them more than they are capable of, and punishes them for what they cannot help. Whatever they may pretend, the fact is, they dislike the character and work of the Lord. The slothful servant is sentenced to be deprived of his talent. This may be applied to the blessings of this life; but rather to the means of grace. Those who know not the day of their visitation, shall have the things that belong to their peace hid from their eyes. His doom is, to be cast into outer darkness. It is a usual way of expressing the miseries of the damned in hell. Here, as in what was said to the faithful servants, our Saviour goes out of the parable into the thing intended by it, and this serves as a key to the whole. Let us not envy sinners, or covet any of their perishing possessions.