Occasionally I find my duvet like this in the morning, but it fixes itself when I make the bed. Only way I could see this being an issue is through using duvet covers which are incorrectly sized, or not making the bed (properly) before getting back in.
I wonder if this is a case of people using duvets but having not been shown how to make a bed with one.... For the benefit of the uninitiated, stand at the foot of the bed, grab the bottom corners of the duvet and hold them wide apart. Lift up to shoulder height then use a quick downward motion - the top of the duvet should flick out like a whip. This will push the duvet back into the top corners of the cover and redistribute any loose filling which may have migrated down through the night.
Also never seen ties in a duvet - seems pretty pointless to me.
I think this is a common misconception about games like EVE. I played it for about 7 years, and have continued playing full loot MMOs and survival games since then.
The PvP in EVE was the most exhilarating experience I have had in a computer game. This was intrinsically tied to both the consequences of loss and the thrill of victory, and reward - something you just cannot get from 'theme park' MMOs. Learning to harness the adrenaline rush and overcome the post-fight shakes was a very real thing that many of us spoke of. It's that which kept myself and many of the people I played with locked in for so long.
My focus was solo and small gang PvP - initially low-sec piracy, but later moving on to null-sec roaming and wormhole diving. After the first few months, I played almost no PvE content, and funded all ships and eventually my main account through PvP activity alone.
It's been about 10 years since I stopped playing - and the game may well have changed significantly - but the solo and small gang PvP which I engaged in was pretty easy to get into then. Sure you'd die a lot in the first month, but the trick was to keep your ships cheap, play to it's strengths, and try to learn from every engagement.