Penny does not get on our furniture. (Well, beds are another story...) She will jump up onto a couch of comfy chair only if her special quilt is lying there, ready for her.
I've heard it said that dogs don't extrapolate, that is, they don't use given information to judge an unknown situation. But in this instance, Penny decided that one quilt is like another. Sure enough, she decided to nap on the unfinished quilt.