That was just my point. His conflict is not resolved at the moment he falls in love with Jane. He wants it so badly to be resolved for himself, and might just consider it resolved for himself, but when everything comes crashing down after the cancelled wedding, suddenly realises that that is not the case, to his own detriment.
The Merchant-analogy with the leaden casket does not apply to Jane. At the moment he has chosen the leaden casket, he wants it to be a golden and silver one. 'Give and hazard all he hath' turns into 'what many men desire' (or at least what he desires) and 'what he deserves.' We could argue that he does 'give and hazard all he hath,' but he does not only that, unlike Bassanio in the play. It is only at the end that he does/has done that, having lost a lot of money and handing himself over to Jane to be led.
Of course, when he finally meets Jane, he has started to appreciate beauty within, and not only the outside. Otherwise he would not have fallen in love with Jane, plain as she is. But... There is still that major force: his reputation. And he struggles to keep that front up. Because he cannot bear the scorn of people like you say. He cannot bear it for himself. And so he cannot bear the scorn that would happen to Jane for her being an ex-governess. Not for her, but for himself. She cannot care less about it (symbolised in the discussion about the veil). But he does and so foces a trousseau, veil and wedding dress of elaborate taste upon her so that he will not be seen with an inferior bride.
It is only after the release of the fire that he can withdraw from all the scorn and tackle his self-contempt as you say. It is only then that he can be the man he really is: tender, caring, not at all loud; and start on a new society with Jane's two cousins. Ironically actually a society that is beneath him in status. In a certain sense, he starts his life again.


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A book would be shortened immensely if characters have already learned all from their mistakes at the start or halfthrough the story

) then no, I don't think your opinion is irrelevant. 
