I say "lighten up!" Do you think the quilters long before us worried if their quilts were being used "properly?" No, the quilts they crafted were meant to be useful and functional. If you treasure a specific quilt, KEEP IT! Cherish it and only display it on rainy day! Keep it tucked in a closet so your kids sell it for $5 when you're gone. I'm being a bit cynical, but I've actually been to estate sales and bought gorgeous, unused quilts for $5! And I bet that long gone quilt maker is happy I got that quilt! At least it went to a true fan.
I love quilting and I know the time and effort it takes to make a quilt. Not to mention the money involved. But remember, our friends and family don't get it! Buy them a cheapie quilt at a discount store. You'll be spreading "the quilt word" without stressing yourself out. If the dog lays on it, you'll know that pup has good taste in bedding! Life is too short not to use the good china or quilts!