Yes, charge her. She is a willing customer. Because what would happen next is the boyfriend's daughter (theoretically speaking) will want one. And then the daughter's brother-in-law will want one. Making quilts per others' requests is not the same as making what appeals to you. Time and labor and money will be spent to do this for the MIL's boyfriend, which is time that you can't recoup. I would specify a price of $350 for the quilt shown in a lap size. Negotiable from there if the customer feels differently, in which case you and she can arrange some type of bartering arrangement.