I thought of creating a napkin for a scene and started with a plane subdividing it to 40. Its a simple plane with no materials, textures or modifiers. I applied the cloth modifiers from the physics tab and enabled self collision keeping the rest to default settings.
Even without any collision object selected the cloth just crumples up on its own.
here is the blend file : https://drive.google.com/drive/folders/14xmpw7HWBSs5hGiOXNs609RYpnqFPbZg?usp=sharing