First, for a hand made quilt from start to finish you are cheating yourself. Personally, I wouldn't do a quilt for a stranger, they don't get what it takes to make a quilt even when they say they understand. I don't do quilts period for other people. If a true friend sees something they like that I made, I give it to them. Isn't that what happens to most of the quilts we make anyway?
There are people who make quilts for a living and bless them because I couldn't handle dealing with customers who want something for nothing. I had a friend who was asked to make a quilt for a friend of a friend. Not knowing any better she agreed and was only going to charge the woman the cost of the materials. When she told the woman how much the materials were going to be, the woman acted like she was being ripped off and said forget you. The woman then proceeded to tell the mutual friend what an awful person my friend was who in turn chewed her out for trying to rip her friend off. My poor friend was in tears over this.
I would think twice about doing it.