Catholics have far better news than that you get to heaven on the basis of personal productivity. Consider these questions: When and why was toil introduced? Did the prodigal son have riches when he returned to the father to justify himself? Did the Pharisees need to have bread with them? Did the crowd have enough bread? Who provided sufficient bread: the vine or the lost sheep? If virtue is productivity, then why does God say that there is a rest for his people? Did he rest on the seventh day because he was not as virtuous as Pharaoh's taskmasters?
Industriousness is wise, but all is vanity and the fool when he dies goes to the same place as the wise.
Just to give some context: a single talent was worth about 6,000 denarii. A denarius was the usual payment for a day's labour. That single talent was a sum of money worth roughly twenty years of labor. In the parable the person doesn't earn that twenty years of labor. They have twenty years of labor handed to them with no effort on their part. The rebuke wasn't: you should have woken up at 4 AM. You should have exercised. You should have taken a cold shower. You should have eaten with one hand while handling emails with another. Ten hour days or you are a loser. It was practically milquetoast; you could have at least put the money in the bank.
> Now as they were traveling along, He entered a village; and a woman named Martha welcomed Him into her home. She had a sister called Mary, who was seated at the Lord’s feet, listening to His word. But Martha was distracted with all her preparations; and she came up to Him and said, “Lord, do You not care that my sister has left me to do all the serving alone? Then tell her to help me.” But the Lord answered and said to her, “Martha, Martha, you are worried and bothered about so many things; but only one thing is necessary, for Mary has chosen the good part, which shall not be taken away from her.”
Industriousness is wise, but all is vanity and the fool when he dies goes to the same place as the wise.