Why is Madame Loisel unhappy with her life at the beginning of "The Necklace"?
In "The Necklace," Madame Loisel is dissatisfied because she is
one of those pretty and charming girls born, as though fate had blundered over her, into a family of artisans. She had no dowry, no expectations, no means of getting known, understood, loved, and wedded by a man of distinction....
For Mathilde Loisel, she has married beneath what she should have only because her father could not provide her a dowry which would have allowed her to marry a man of the aristocracy. Instead, as beautiful as she is, she has had to settle for a husband from the bourgeosie, a government clerk.
Since money and material possessions have prevented her from advancing in society and living the life she desires, Madame Loisel perceives material value possessions and social status as the quintessential values. This perception, tragically, becomes Mathilde Loisel's nemesis.
The short answer to this is that she was born too poor -- too poor for her tastes and her desires.
She was a pretty and charming girl, who thought that she should have been born into a life of luxury. But instead, she was born with parents who were "employees."
Because of this, she was dissatisfied with everything about her life. She did not like the way her house looked, she did not like the food they had. She was not even satisfied with her maid because she wasn't high class enough either.
She thinks that if all her stuff were high class, she'd be happy.