An associate and I construct t-shirts quilts from start to finish and quote a per shirt price which covers all labor and materials. If they don't want to pay that price, they say they'll just do it themselves, but two years plus after the occasion they needed it for, it's still in the planning stages.
We charge for a reason....we get it done on time.
Also, I think we're very reasonable compared to some price quotes I've seen on websites, but it's better to have the business at what the market will bear than no business at all.
The one time I quoted the relative of a in-law a price for a regular quilt, including material and labor, I never heard another word on the topic.