So sorry to hear that you have been put in-between a rock & a hard place. I'm amazed at the attitude that some people have when it comes to quilts. Assumption is a word I do not like!! Since you have already made the quilt (out of the goodness of your heart), I would just send it to her and be done with it. BUT if there is ever another asking, I certainly would bring up cost to that person. Materials & time aren't free. It's so much nicer to make a quilt for someone on your own decision; not on someone's assumption. You are a better person for doing what you did.