I always tell them they couldn't afford to pay me what I'm worth...that usually ends the conversation....lol.
If you stop and think of how many hours you put into a quilt from start to finish, at $10, $20, or $30 bucks an hours, depending on how much you think you're worth, you would see that it would be lots!
And then of course the cost of all the materials added on to your labor costs.
I only make quilts for gifts to people who I think are worthy of them...another words, only the people I wanna give them to because I think they will appreciate them.