When someone says "I'm sorry, but that's just too much [for that dress...to hem my pants...etc]" I get a little upset. I set my prices to what I feel is fair. And if I'm not sure I know a great group of smart women who I can bounce my ideas off...and they won't sugar coat anything.
I was in discussion with someone about making a custom gown for them...from a picture...with no pattern. Ten to twelve hours of my day, at least, to make something custom for you. Yes I want $150 to do that, that breaks down to about $13-ish an hour. You are paying for my expertise for something you can't do.
Why do I spend the extra time on lining the dresses I make? Because I think it looks nicer and is therefore a better product.
Why do I make a sample of anything before I make one for sale? Because if something isn't right I can correct it with the cheap fabric and not waste the better quality fabric.
Why do I do all this? Because, as my father is fond of saying, there is the cheap way to do things and then there is the right way to do things.
Everything I make is done the right way. It might be a little more expensive to do things that way, but it will last longer and it looks better.
I suggest that with everything you make, whether to sell, to gift or for yourself, that you take into consideration that there is a right way and a cheap way to do things...which way would you want it done?