I NEVER do any quilting for $, and say so when asked to make something.
If a person still wants something, and I do not consider giving them a gift, I give them the name of The Doormouse. It's a local quilt shop and I assume they have a list of quilt makers that would be happy to work with them. I tell them my list of projects is so long that it will be 30 years before I can add their name to the list so I am not taking anymore names.