When I borrowed your necklace 10 years ago I actually lost it and I've spent all this time paying off the duplicate.
Oh my! The necklace was just a fake silly, it wasn't real.
Flat or Round Character
I haven't a thing to wear. How could I go?
Dynamic or Static Character
We had to fire our maid so now I have to learn all the household chores.
Madame Loisel lost a necklace that Madame Forestier lent to her, so she replaced it with a very expensive duplicate. She spent 10 years paying it off when the original necklace was fake. This demonstrates irony.
Madame Loisel is a flat character because throughout the whole story she is unappreciative and greedy. She cares about what everyone thinks and longs for material things.
Madame Loisel is a dynamic character because she went through a big change where she was even less fortunate than before, she had to learn household chores and work hard to pay off loans for 10 years.