so sorry you went thru this. Let her know upfront that you gave her a low quote b/c you had the lesser priced fabrics. New fabrics are 12-15 a yard, and your labor costs went up too, along with batting and thread. yes thread is very expensive now. without it, the quilt will fall apart. let them know all this up front.
I was questioned once about charging for thread. it told her yes, unless you just want small pieces of fabric back. I got a stunned look on that one.