Sewing is different than quilting, though the terms are used interchangeably in my home because others are not as finicky as I am.
For me, quilting includes any time I’m working on a specific quilt project.
I have been paid to make two quilts. We went and purchased the fabric together and the patterns were chosen from the ones I have. When considering the price of that work, there were only my time and basic supplies to consider. If they had not purchased the fabric, or I had shopped my stash, that would have been part of the price. Any time or money spent to complete a quilt should be considered along with the skill of the quilter, in my opinion.