Bartender Geek

I'm of the mind that she may have crystals in her bladder. She could have a UTI, but even without infection, she could have small crystals that might not even show up in an x-ray. The vet's definitely the way to go. The longer you wait, the more difficult it will be to treat, if she is sick. Crystals could also explain what may appear to be behavioral inappropriate elimination. In a cat susceptible to urinary crystals, stress can bring on the problem. So it may not be that she's urinating on the bed to punish you, it may be that she's stressed, so her bladder hurts, so she urinates on the bed because she associates it with comfort. One other thing.. Consider how long it's been since her litter box not only was scooped, but had all the litter emptied, and the box washed and sanitized. If it's been more than a week, she may be using the bed because she's too turned off by her box.