She and her husband got invited to a ball and they decided they both wanted to go but they needed to dress appropriately.
She couldn't find anything to wear and she decided to borrow a necklace from a good friend of hers.
She went to the ball with her husband, She felt so beautiful and she loved the feeling of everybody staring at her in awh.
It was past midnight and she wanted to go home. She knew she needed to return the necklace but she felt so pretty in it. She got out of the Cab and went inside, not noticing there was no necklace around her neck.
Her and her husband spent hours and days looking for that necklace. The friend called and was asking where it is. She lied and said it was getting repaired and it'll take a week to get back.
They never found the necklace and they had to pay $3600 to replace it. It took them 10 years to pay back the necklace debt. She felt to guilty about lying to the friend so she told her the truth. Turns out the necklace was a paste and only costed $500