Hi LizC-S,
In over 120 nights on the Caminos, there have been many first hand accounts of what you describe, Camino Angels.
Luckily for me, there was only once when I might not have had a bed. This happened someplace on the Camino Norte in 2010. A very small refugio with 8 beds (4 bunks) and 6 mats on the kitchen floor. I was the 15th person to arrive after an extra long day of walking, maybe around 16:00 arrival. I was hot, tired, and wanted to watch the match between Germany and Spain in the World Cup 2010 and didn't want to walk further. I decided to hose myself off in the back grass area and sleep in the paddock for the night. I was perfectly fine with that. I got to talking to two girls from Germany who eventually took pity on me. These became my Camino Angels as they decided to give up one of their beds and share one so I could have a place to sleep inside. A simple gesture. The kindness of strangers.
I am happy to say that we got to meet up in Santiago and still remain in contact frequently.
The Camino provides what I might need and takes what I might want. I like that.
Trust in the arrows,
Simeon