Mme.loisel is ambitious woman that is comform with what she had but her husband is all the contrary of her he is me conform with what he has and more simple and more comform with life
See : http://wiki.answers.com/Q/Why_is_madame_loisel_unhappy_with_her_life_at_the_beginning_of_the_story_of_the_necklaceBecause she was a beautiful woman with a bad fate that made her born into a...
after she lost the necklace, she got the opposite of what she wanted, because she had to pay for it even though it was fake, so karma took place in the situation