I've had all the same questions but I what really hit me was when someone asked me if I would make her a twin size quilt for $25. I laughed and told her she was missing a zero because $25 wouldn't cover the fabric for the top. She thought I was kidding. Needless to say she said she would be just as happy buying one on sale at the local dept store.
I tried to tell her that my $250 quilt would last a very long time where her dept store one might make it through a few seasons. Didn't matter to her at the time. Have never heard from her since.