Wisdom is something that is gained by working for it. That is, by doing the right thing, by sacrificing yourself for others, giving your sweat and blood. Mankind was put on this earth to toil, and by toiling we find redemption. Another way of looking at holiness is the relationship between toil and bread:
Genesis 3:19
In the sweat of thy face shalt thou eat bread, till thou return unto the ground; for out of it wast thou taken: for dust thou art, and unto dust shalt thou return.
2 Thessalonians 3:10
For even when we were with you, we would give you this command: If anyone is not willing to work, let him not eat.
Matthew 4:4
But he answered, “It is written, “‘Man shall not live by bread alone, but by every word that comes from the mouth of God.’”
Matthew 26:26
While they were eating, Jesus took bread, and when he had given thanks, he broke it and gave it to his disciples, saying, “Take and eat; this is my body.”
So, for example, how are you supposed to ever realize that your enemy isn't really your enemy, if you don't treat them with kindness and approach in reconciliation? Or how are you ever to be free of the shackles of material greed unless you give freely to all who ask? You have to live by God's teachings to understand just what they mean. God's punishment for Mankind, of toiling, only seems like a punishment superficially, but it is actually a blessing, because it is through using one's hands to make the world a better place that a man finds contentment in his life.
In both parables (talents and the olive oil), the market represents the same thing, the community. Go into the public and share your wisdom with others and receive theirs. There are people (pastors, rabbis, etc.) who can be compared to moneychangers, they make their profession of hearing and offering wisdom, "exchanging" it and making it grow.
So another way to look at the first parable is, two groups of virgins. One followed the commandments but did nothing extra, the other followed the commandments but did extra out of love. So then in the ones who followed by rote, the holy spirit fled them. They were told to go seek wisdom and whoops while they were trying to figure things out in their life, they suffered judgement before they had their answers. The Holy Spirit will elude those who do not show fruits.
Luke 3
8 Bring forth therefore fruits worthy of repentance, and begin not to say within yourselves, We have Abraham to our father: for I say unto you, That God is able of these stones to raise up children unto Abraham.
9 And now also the axe is laid unto the root of the trees: every tree therefore which bringeth not forth good fruit is hewn down, and cast into the fire.
In the story of the talents, the two wise servants had been given some wisdom according to their prior deeds, and the other had been given little. The one who had little, hid his wisdom. I interpret this as the same: they followed the commandments by rote but not out of love or understanding. He didn't know the Master, he thought the master was a cruel man ("all sinners go to hell for eternity!"), and didn't want to step out of what was prescribed for him, but the Master told him, all you had to do was go to the market and share what I gave you with others (make some donations to the poor, give some good council to people, make friends out of enemies, etc.), and I would have been satisfied, you would have increased your soul, but instead you lived your whole life and learnt nothing so now you will lament. It's worth mentioning that the unprofitable servant thought he was doing the right thing - "come collect, I've kept what you've given me!" or in other words "Hey I've read the Bible, that makes me a good Christian, right?" so he was quite surprised when he was thrown out because he didn't put into practice what he learnt.