Think of it in relative terms too....
how much would you spend on a night out? A dinner for two in a top restaurant? On clothes? Furnishings for your house?
I think people sometimes get things a bit skewed. My partner is a tradesman, and he will often get people complaining over a bill of say $120 for a window. He points out that you can spend more than that on a dinner for two at a top restaurant here, and it's one night then it's over. A window is something in your house for a long time.
Same with a quilt... if you want it done professionally it's because you want the best for that top, you want it to last a long time. So you pay for it. :-)