How is matilda at the beginning of the story similar to the necklace she borrows

Both are outwardly beautiful, but of less value internally.

In the beginning of the story “The Necklace”, Mathilde was a high maintenance woman who aspires only jewelry and material things. Mathilde’s outside appearance is beautiful like the necklace she borrowed. Her inner value, however, was ugly for she was a bitter woman and jealous of others who have grand houses with servants, nice things and a life of comfort and ease.

yes, it can be both.

scholarship is an sc because, by definition, a subject complement is the adjective, noun or pronoun that follows a linking verb, for example the verb be (in any of its forms).