I think Jesus is speaking in multiple ways of a binary state ...
[Luke 12:41-48 NASB] 41 Peter said, "Lord, are You addressing this parable to us, or to everyone [else] as well?" 42 And the Lord said, "Who then is the faithful and sensible steward, whom his master will put in charge of his servants, to give them their rations at the proper time? 43 "Blessed is that slave whom his master finds so doing when he comes. 44 "Truly I say to you that he will put him in charge of all his possessions. 45 "But if that slave says in his heart, 'My master will be a long time in coming,' and begins to beat the slaves, [both] men and women, and to eat and drink and get drunk; 46 the master of that slave will come on a day when he does not expect [him] and at an hour he does not know, and will cut him in pieces, and assign him a place with the unbelievers. 47 "And that slave who knew his master's will and did not get ready or act in accord with his will, will receive many lashes, 48 but the one who did not know [it,] and committed deeds worthy of a flogging, will receive but few. From everyone who has been given much, much will be required; and to whom they entrusted much, of him they will ask all the more.
- faithful or unfaithful
- found ready or not found ready
- care for others or abuse others
- rewarded or cut to pieces
- few punishments or many punishments
Jesus himself seems to clarify the point He was making in the end of verse 48 ... "
From everyone who has been given much, much will be required; and to whom they entrusted much, of him they will ask all the more." ... which suggests that this is about faithfulness in life rather than eternal destiny. The parables on Heaven and Hell tend to be clearly about judgement and sorting and destinations. This is about none of those.
I think the "money verse" is ..
. "But if that slave says in his heart, 'My master will be a long time in coming,' and begins to beat the slaves." Here we have a heart that is not true, not Christlike ... a clear Tare among the wheat or a Goat among the sheep waiting to do evil (the true desire of his heart). Such a "Christian" would be unfaithful and abuse others and will not be found ready, so that "Christian" will receive many punishments and be cut to pieces and be thrown among those that are honest in their unbelief, rather than deceptive in a false belief.