Setting Up Collision for Clothing Should Not Be This Hard!

I tried to set up collisions for a figure wearing a gown but I have all kinds of problems with the collision capsules to keep the gown from going through the figure’s body rather than colliding against the body… Some capsules act like cylinders. When I tried to create additional capsules or spheres, they have no effect on the cloth. I tried to use convex hulls instead of capsules but the cloth does not collide against them. Why is it so hard to set up collision for dynamic clothing?

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Yes,I have the same problem

anyone found a solution???