You can't always go by the ratings. People have been known to use bogus email addresses and post their own "ratings".

I would tell the elderly neighbors the truth. I have finished the quilt tops and here you are: get them quilted as you can. That way, they would realize that just putting a quilt together is just half of it. If they cannot afford to have them quilted locally, a family member may do that for them. But, that is quiet a responsibility for you to PAY to have it quilted for them too... If she loves fancy quilting, do some research for her to see who can do that for her and then give her the information.