Answer
One of the central themes of "The Necklace" is that of appearance vs. reality. For Mathilde, the necklace symbolizes wealth, beauty, and, ultimately, shame, as she loses the necklace and goes into debt to replace it. The great irony of the story is that the necklace was a fake. Mathilde spends ten years in debt, effectively ruining her life over nothing.
There are some differences betwee summarizing and quoting. Summarizing: doesn't match the source word for word, presents a broad overview, so is usually much shorter than the original text, involves putting the main idea/ideas into your own words, but including only the main point, must be attributed to the original source. Quoting: match the source word for word, must be attributed to the original source, appear between quotation marks, are usually a brief segment of the text. So, as for me, summarizing is not really useful alternative to quoting.
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