Find three reasons to blame all three characters in the "The Necklace"?

I like this assignment because there is enough blame to go
around for all of the main characters in "The Necklace." Madame Loisel's incredible
self-centeredness, vanity and self-imposed unhappiness filled her with the unquenchable
desire to make the ball the greatest evening of her life. Had she been happy just
receiving the invitation and attending without all of the added luxuries, her life would
not have turned out so badly afterward. Her husband's refusal to just say "no" to his
wife's demands would have shown that he had a backbone and who wore the pants in the
family. Again, their resulting financial problems would never have occurred had he just
put his foot down. Madame Loisel deserves some of the blame as well, since she should
have told Mathilde that the jewels were not actually diamonds instead of having her
friend think that they were of great value. The Loisels could easily have repaid her for
the "paste" instead of working for years to pay for the duplicated diamonds that they
returned to her.