It is a racket. If you dont have insurance they will take you to the cleaners. I had to shop around for the cheapest home in town and most inexpensive option is a cremation plus all the charges for the cemetary and burial. Cheapest cremation was $999. Then the cemetary has all their costs.
A friend of mine installs televisions and home theatre systems for people and he told me he installed a bunch of flat screen tv's in a funeral home. And that the owner of the funeral home paid to have almost 15 Televisions mounted in his new big house. They make A LOT of money.
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