Have to say that I completely agree with @Sandra247
my place CAN sleep 10 people, if 2 people book I certainly don't make up 10 beds. I don't think that is a bait and switch, it's just being reasonable.
if @kathie wants a particular bed arrangement then it would be best to ASK a host about that. And if there is a different charge for more than 2 guests then you are possibly taking advantage of what the host expected to provide at that 2 guest price.
and probably most hosts are like @robin that if you tell them that you've booked as 2 people but you'd like to have 2 beds made up then they will probably accommodate you but it'd certainly be considerate to leave a laundry tip, IF your 2 person price was less than 3/4 people