To my mind, the difference comes from where your motivation is. I quilt for the fun of it, and my motivation is my own enjoyment. I don't care if others like my quilts (it's nice if they do, but it doesn't bother me if nobody likes a quilt so long as I'm pleased with it.)
If I were quilting for money, my motivation would have to be making money, making quilts that other people like enough to spend their money on, keeping track of the profits, figuring out how much to charge per hour or per project.
Intrinsic motivation is very freeing, whereas extrinsic sucks the fun out of it.
RST