I like the ending of this short story.
It tells us not to be too greedy and always tell the truth.
In my opinion, it is not worth for Loisel and Mathide to pay for the necklace.
They need to work so hard for 10 years and they did not own the money at all.
If Mathilde told her friend about the lost necklace, she might not need to go through the hardship at all.
Her friend might ask her to replace the necklace with another fake one.
That's what I think...