It sounds like I have gotten to the bottom of this mystery. I, perhaps wrongly, attributed it to the idea that the heat was trapped inside my clothes and couldn't get out to warm up the sleeping bag. One reason is that simple experience. If the ground is sucking the heat out of you, spread all your clothes and backpack under you. So whether that's multiplied by 2, or 6, or 8 is a huge difference.
The family was forced to flee the fighting between ISIS and the Iraqi army in Mosul and is now living temporarily in one of the many abandoned houses in the liberated part of the city.
Help the child refugees!
It sounds like we have a lot of evidence, now I would just like to wrap my head around the "why". A new sleeping bag can be expensive though. Years passed without camping. Now she does not draw at all. It is a good investment in the event of a power failure. Lamar, 5 years old Horgos, Serbia.