I quilt because I love it. I quilt for others cheap because I like quilting. I can't afford to buy as many quilt tops as I want and I don't need a closet full of home made quilts that I can't use. So my "perfect" solution is quilt for others. Why would I charge $20/hour to do something that I want to be doing? something that brings me joy and peace and pride? If I didn't have someone else's top to do, I would be bored, and/or spending money on something else.