Dynamic cloth

Hello guys,

I am searching for a way to have some sort of a “dynamic” cloth simulation.
So the idea is the crash test guy is walking and then he “melts” down and his watch would land on top of the pile. A bit like this https://www.instagram.com/p/Bm8nHNfApwE/?utm_medium=copy_link but of course a simple version.
How would I apply the cloth simulaiton to the character walking? Any tips and tricks very welcome.

Thank you and have a great day!