Our guild has a working day twice a month - they cut out kits that people can do from start to finish. They also have people who like to just do the tops, people who just want to do the quilting, and others who really like binding.
I've done quite a few start-to-finish. And I've been doing quite a few on the long-arm - I'm not quilting as a business (yet) and am happy to practice-practice-practice on these quilts. I hate hate hate binding, so I'm really tickled that I can just do the portions I have the most fun with.
The fabric for the quilts is donated, the guild buys the quite a bit of batting (the guild also asks for orphan pieces of batting, batting and patches them together for the comfort quilts).