Cats like to sleep wherever they want, including under a blanket or duvet.
However, cats simply don't like to be covered unless they want to be.
If you cover a sleeping cat with a blanket, it will soon get up to get rid of it.
Moreover, when a cat sees a blanket, plaid or bedspread on the bed, it often crawls under it.
Cats, being territorial animals, do not want to be caught off guard by an enemy, so they must have a line of sight.
For this reason, a pet that has settled on a bed does not want to be under the blanket that has been thrown over it.
When your cat is tired and resting, see what she does.
If the cat sleeps under the blanket until it wakes up, and then gets up and calmly continues to do its business, then the owners did the right thing.
If a cat wakes up and rushes to throw off the blanket, and then falls asleep again, it means that the cat is too hot.