a personally made quilt is ART!! How you pick the fabrics and put them together takes talent. Not every one can make a really beautiful( to most everyone) quilt. don't sell yourself short!! Think of all the famos museums that show what were everyday quilts way back when. There are now museums that show ONLY quilts. and most of them are not the storebought kind. They were made by everyday people to keep their loved ones warm.
and I agree you don't charge anywhere near enough for a stranger to have a labor of love. or even contentment.