There is no rule on this earth that says you have to be a door mat.
Write out your reasons why you can't do this quilt. You have valid ones.
Then phone your "friend" and read your script verbatim. Do not waver. If she gets upset - tough. That is her problem.
You obviously aren't close to this person or she would already know your opinion.
Just tell her. You cannot accept the top in the condition it was given, and she has the choice to either take it apart and fix it, or have someone else quilt it. Period.
My guess is she'll take it somewhere else.
The lose her phone number. She is not a real friend.