I was at a seminar this week and one lady brought her baby quilt for show and tell. She makes them by the dozen and sells them. When we asked her what she sold them for, she said $25. Astounded, we asked how she could make and sell them for so little. Easy, she said.
She buys the prequilted fabric at the local fabric store when it's on sale.
She then cuts a piece that's square, and uses the scallop embroidery stitch around the edge, about and inch in from the edge. She then cuts away the extra outside of the scallops.
Then she machine embroiders the baby's name, date, etc with a teddy bear logo (or anything else) on the one corner.
The one she brought was pink on pink and absolutely beautiful.
Goes to show you, some premade stuff is just as good as homemade. To her clients, the quilts ARE homemade.