Kind of like this I suppose:
When using an interior tileset, make a bed. Just above the bed there is a bed cover...go to the next layer and put that on the bed.
Now anyone is able to look like he/she/it is underneath the covers asleep.
And here is a hypothetical event command sequence for an inn if you want the person to walk automatically to the bed and then fall asleep (the move event is depending on the size of the room and where the hero needs to walk to to get into bed). Gold is already taken away and whatnot.
EDIT: Also what I forgot to put down in there is change of HP. Generally you want to do change of HP for all members of the party somewhere between those events.