Final answer:
Accepting the white umbrella initially brings comfort to the narrator, but ultimately leads to tragedy.
Step-by-step explanation:
Accepting the white umbrella makes the narrator feel a sense of comfort and safety at the beginning of the story. The umbrella shields the narrator from the rain and creates a cozy atmosphere. However, at the end of the story, accepting the white umbrella has a negative effect on the narrator. It leads to unexpected tragedy and the abrupt end of happiness.