I think your on to something in regards to the mold exposure, our old apartment had it, where this all started. Now, in regards to the bed, it's not that the area is exposed to mold, it's simply that these critters are where they know you will be, trust me.
Now, with all that said. If everyone here is not knowing already this is "Morgellons", the name does not fit but that's what it's being called right now. It's not a condition, it's a bug.