Mathilde wanted to look rich in front of the other people, but she had nothing to wear so she went to her friend house
Madam Loisel finds out that the necklace is not on her neck and she freaks out
Madame Loisel had to change her life style because she lost an expensive necklace and she had to get loans to replace it.
After 10 years of hard work and the paid debt of the necklace. Mathilde decides to have some alone time. She encounter Jeanne and tries to talk to her but is not recognized after all the hard years. By this Mathilde blames her friend Jeanne for the hard years and how she looks because of the necklace replacement. Jeanne say the the actually price of the necklace.
It affected the protagonist because before the climax she lived a comfortably life and after it she had to do all the cleaning