To Amy, what is worse than not having a carnelian ring?

From the text:

"Being sensible girls, they decided to try her advice, and soon were surprised to see how well off they were. One discovered that money couldn't keep shame and sorrow out of rich people's houses, another that, though she was poor, she was a great deal happier, with her youth, health, and good spirits, than a certain fretful, feeble old lady who couldn't enjoy her comforts, a third that, disagreeable as it was to help get dinner, it was harder still to go begging for it and the fourth, that even carnelian rings were not so valuable as good behavior."