She did offer to pay, "Just let me know how much you want."
I have talked to someone who says their aunt used to make quilts, and charged everyone alike. Even family.
So, that's where the dilemma lies...
Hubby said, materials + some for time. Maybe not x3, but maybe x2. They also know hubby's losing his job soon... so maybe it's their way of "trading" or "gifting". I'm not sure, though.