That's *awful*! BUt I suspect a lot of people think that way. I never realized how many hours is in a quilt, until I made one! That's kind of like asking an artist to copy a framed print from Wal Mart, and expecting to pay less than the $29 price tag on the original. You're creating a custom quilt, an original. She should be paying for your experience, your skill level, and your time, just like any other artist/craftsman. She's getting a quality, one-of-a-kind item that isn't going to fall apart. It's not like buying a quilt that was sewn by some poor Ethiopian child making six cents a day. Around here it would take about $200 to have it machine-quilted. By the time I bought my backing, batting, and labor.....oh dear.....the prospective customer would probably laugh herself right back to pottery barn. Good luck!
Sherry