I can sure relate to not finishing quilts--I have what I call a "fear of finishing" anything. Whether it be quilts, scrapbooks, photo albums, cleaning out a drawer, anything, I hate to finish things. The odd thing with quilts is that I LOVE to do binding, but I have a hard time getting to that step. Once I figured out my "fear" now I recognize it and I talk myself into finishing things. Given that, I still have two tops in my closet waiting to be sandwiched and quilted. Sigh. Can't help you with your problem, but I can say you are not alone out there.