What the Bible says about Moral Character cannot be Transferred
(From Forerunner Commentary)
It was midnight, and the lamps were needed for the procession and the rest of the night. The reserve oil supply was only enough to supply oil for the lamps of the five wise virgins. So the inability of the wise to provide oil for the foolish illustrates that no one can give to another what he has done to add works to his faith (James 2:14, 17-22, 24, 26). Our faith must be our own through Jesus Christ; it cannot be borrowed. Moral character or spiritual gifts cannot be transferred from one person to another. To delay submission and obedience to Christ is to risk eternal death. Therefore, to delay preparation for His return is nothing short of spiritual negligence.
Martin G. Collins
Parable of the Ten Virgins (Part Two)