So, to get that mansion in the sky Jesus paid the down payment on the cross, and then requires us to pay the rest of Mortgage off!
I like the old hymn that says...
Jesus paid it all,
All to HIM I owe.
Sin has left a crimson stain,
He washes white as snow.
You missed the message entirely. Each one of us has God-given abilities (i.e. "talents"). It is commensurate upon us to "multiply" those talents in our lifetimes, sharing them with others. (Matthew 25:14-30)