I charge...."Buy the fabric and I'll make it."
I quilt because I love doing it.
Unlike major league athletes that SAY they play for the love of the game and then refuse to sign a contract UHHH HMMMMM Albert Pujols (insert your own least favorite greedy player name here) I really do honestly love quilting and I will do it for free no matter ESPECIALLY if someone else is buying the fabric and batting!