What was the flashback the necklace short story?

Flashbacks are a twentieth century invention- and are often used to add plot depth in situations where ( like possibly long pauses on disabled planes) there is little visible action going on and people start retrospection. These situations did not exist in the nineteenth century and hence flashbacks were not generally used- such things as a form of time travel via found diaries of now-deceased people, that sort of thing. The plot gets back to the beginning in the conclusion, when the now impoverished MMe Loisel finds out- after paying off the money- that the item was a cheap counterfeit or costume item worth at best a few dollars. it"s a big let down. My guess she had a heart attack. ( similar tales exist about Confederate Money). actually it is not really a flashback as the whole tale is in a recovery mode. her entire life has been dominated by getting up the money for the lost item. a little anti-commercial if you ask me.