How is Monsieur Loisel to be blamed for the misery he endures?

Monsieur Loisel could be blamed for the misery he endures because it is his idea to lie
to Madame Forestier about why his wife did not immediately return the necklace as well as his
idea to begin searching for ways to replace the necklace. One could argue that, if Monsieur
Loisel had not instructed his wife to lie to Madame Forestier and suggest replacing the
necklace, he and his wife would not have had to endure the ten arduous years spent paying off
the debts they acquired to replace Madame Forestier's jewelry.

Monsieur
Loisel not only suggests that they replace Madame Forestier's necklace but instantly spends his
entire inheritance to put a hefty down payment on a similar diamond necklace worth thirty-four
thousand francs. He then proceeds to borrow the remainder and works tirelessly for ten years to
pay back his debts. Similar to his wife's affinity for attention and a positive public
reputation, Monsieur Loisel is also worried about his reputation. He does not want to be labeled
a...