Fit a blanket to a person I have a model of a person exported from the MakeHuman software. I also do have a model of a blanket. What I want to do now, is to fit the blanket to the human, as if the human was sleeping under the blanket.
I have done some research and believe that the shrinkwarp modifier applied to the blanket with target "testHuman" should do the trick. However, the following happens:


The blanket seems too small when I apply the shrinkwarp modifier and is very weirdly shaped
When I increase the offset to about one, the blanket increases to a size which looks about right. When I decrease the offset again, the blanket shrinks again.


I believe, that this has also to do with the model for the human I use. I cannot really choose the whole human as a target, but only parts of it. I will attach some pictures to illustrate.
Can somebody explain to me the behavior occuring when I change the offset? Also, how can I use my human-model for this purpose?
Here is the simplest way, using Cloth Simulator defaults.

Select body, then in Physics tab, select Collision:


Add Plane mesh, set smooth, then in Edit Mode, scale to cover body and subdivide it to desired level of billow detail. Select Cloth in the Physics tab:


Raise Plane above all parts, then press Alt-A to begin simulation:


Pick your favorite frame: