I have 3 categories of quilts that I make. #1 I purchase all materials and give the quilt as a gift #2 I purchase all materials and give the quilt for material cost only (usually close family) or #3 Customer pays for all fabrics up front and pays labor upon completion (no pay labor, no get quilt). Like most have said, if the recipient has to pay for all the fabrics, it usually shuts their mouth and their wallet, no more requests!