The talents the Lord gives us is not confined to money, in fact, the greater portion are those skills and endowments of the mental and spiritual powers we each have that are entrusted to our care. God expects a return on His investment, and when the Master returns, we each will have to make an account as to how we used those presious gifts we were entrusted with. Burying them is not an option.
We will not have to account for that which we have not been given...God does not expect a lame person to run a marathon, or an unwell person to expend energies he does not possess. However, whatever talent we do have, be it small or large, must be used for His glory, not our own advancement or ambition and status. At all times, however it is used, it always belongs to Him. Those natural abilities and gifts we each possess is for us to use wisely and we shall see them increase. Blessing others with whatever gift we have, is our life work. Not just the educated, the qualified, or the titled, are ministers. We all have a gift, and we all have someone for whom that gift may be used.