Maybe you could do a
"Do you have any idea of what you are asking of me? You are asking me to spend $ and hours make a quilt.
Are you willing to spend the $ for the fabric (up front) and even $5/hour for my time - which includes planning, shopping, etc etc etc.
Or would you like to pay for the supplies and trade labor - hour for hour?? (And collect on the labor as the quilt progresses - no labor - no progress)
Sometimes I do believe that people think that the fabric just magically appears on our shelves - and some people think we make quilts just for the sake of "doing something" and they think they are doing us a favor by asking us to make them something to "keep us busy."
And some people are just plain dumb foolish rude or stupid.