How do the conflicts in Madame Loisel's life contribute to the theme of "The Necklace"?

The theme is that her problems were brought on by herself, first for wanting more than she had........and putting on false airs.....and secondly, by lying and being deceitful, instead of just telling the truth.
Had she told the friend the TRUTH......the friend could have admitted the necklace was fake, 20 years earlier, and saved her a life of drudgery and work, to repay, what she thought was a real diamond necklace.
Had she just gone to the party, proud of who she was, and been honest......her entire life would have been different. So all her problems were caused by vanity, and wanting to lie, and put on false airs.