I don't quilt much and if I do, it's small projects but I sew every day, garment sewing, accessories, home dec, etc. The items are for myself or for gifts. When people ask me to 'make' them something, I tell them my time is more than what they want to pay, if they insist, I do the same as Scissor Queen. No cost is under $500. They go away and I do what I like to do, sew for myself.
The person asking may get angry or miffed, but they can get over it in the same clothes they got angry or miffed in. Lets just say I got took, big time, 40 years ago. It's never happened again.