Tablecloths and cloth napkins used to be a crucial ingredient in fine dining, whether at home or at a nice restaurant. But today, formal linen cloths are a holidays-only frill in most households, and it's often an heirloom or vintage cloth handed down in the family.George Matouk is chief executive of Matouk, a luxury home linens company in Fall River, Mass., that was founded by his grandfather in 1929.