Albert Barnes Commentary Luke 19:22

"He saith unto him, Out of thine own mouth will I judge thee, thou wicked servant. Thou knewest that I am an austere man, taking up that which I laid not down, and reaping that which I did not sow;" — Luke 19:22 (ASV)

Out of thine own mouth. By your own statement, or your own views of my character. If you knew that this was my character, and knew that I would be rigid, firm, and even severe, it would have been wise of you to have made the best use of the money in your power. But as you knew my character beforehand and were well acquainted with the fact that I would demand strict compliance with your obligation, you have no right to complain if you are condemned accordingly.

We are not to suppose that God is unjust or austere; but what we are to learn from this is that, since people know that God will be just and will call them to a strict account in the day of judgment, they ought to be prepared to meet him, and that they cannot then complain if God should condemn them.