Matilda begins as a vain and dissatisfied woman who dreams of luxury and despises her modest life. After losing the necklace, she undergoes a transformation. She takes responsibility, works hard, and leads a life of poverty for ten years to repay the debt. This hardship changes her from a dreamy, ungrateful person into a mature, resilient woman. Her transformation is both external and internal, as she learns the value of honesty, humility, and endurance. Ironically, the necklace was fake, making her suffering avoidable, yet essential for her growth.