"The idea is "When the Lord returns what will you be able to show him you have done with the Gifts he has given you. Have you used them wisely and had some growth. Or have you not used anything that the Lord has given you and stayed exactly the same as before?". Would that be a better interpretation?"
---------------------------------------------------------------
bbgold...
Yes, that would be a good interpretation, in my opinion. God gives us all abilities and gifts, and expects us to use them for the benefit of His Kingdom thus being fruitful. Notice that the rewards were the same for each of the first two servants, reinforcing that it is what we do with what we are given that counts, not the total amount of what we do - I believe this and other related passages teach that our rewards in Heaven will be based on that principal. "to whom much is given, much is expected."
Blessings to you,
mlsoft