I totally agree with you. My ability is not bad but in my opinion not good enough to sell or be paid to do it for someone else. As you mentioned I'd hate to wreck something that belong to someone else. The stress is just not worth it and yes most folks don't want to pay you enough to make it worth your while.
Its funny my mother and sister didn't realize just how much time, money and talent it takes to make a quilt until they saw mine. Then they had more respect for quilt making.