It’s because that was the tradition. That’s how rabbis teach. To discuss and debate meaning is also part of the tradition. There can be different interpretations - none are necessarily wrong, some are more helpful to human thriving. The parable of the talents could even be understood that way, ironically.
The problem with the story is the assumption that we are supposed to innately know what to do without having been taught or discussing it, or before we’ve learned through trial and error. That’s not fair, or realistic. People who’ve been through many trials often end up with multiple talents.