You're neither. you simply spoke before you thought. If you feel this is something you want to do for her, aks her to buy"x" amount of fabric then set a price for your work. If you really don't want to tell her no. You did the other one as a favor, you don't usually quilt for hire. MY standard answer is "this is something I do for me. If I sew for others it's a job and I no longer enjoy it"