Who was the antagonist in the short story 'the necklace'?

apart from the lead character"s fatal pride- and one wonders why her Admiral Zsa Zsa Gabor brand of show-offishness- She was Married to Mr. Loisel, right, why did she have come on with all big guns on deck- attracting men at a social outing. I don"t say it is wrong for married women to go to such things as Card Parties ( which brings up another vice- gambling) but it is not well, unless they happen to be hosting the Ball- like the Late Princess Grace- not really proper. Up to a point the original owner of the necklace- MMe Forestier ( forester or maybe Parks) should have told MMe loisel before hand it was only a replica, much misery could have been avoided and a concurrent crash-dive into poverty. sort of Cinderella in Reverse.