John Gill Reformed Baptist @doctorgill

And I was afraid,.... The Persic version adds, "to negotiate with thy money": he was afraid, lest by trading he should not gain what his Lord expected; and most of all, lest he should lose the talent itself; and dreaded his Lord's austerity, should that be the case, fearing that he would have no mercy on him.

Albert Barnes Presbyterian @notesbybarnes

Verse 25. I was afraid. I feared, lest by some accident thy talent would be lost if I put it out to trade, and that I should be severely punished by a hard master. I therefore kept it laid up safely, and hid it where it could not be lost. That is thine. There is what properly belongs to thee.