Financially stable or not, everybody will have a funeral. Funds from social service agencies are available from the deceased from indigent families. The funds are often inadequate to cover even the most basic funeral services, and funeral facilities often absorb the cost. We have a responsibility to our community. I would never publicly embarrass a family like that.
Families have enough problems as it is during a funeral.
Family problems and conflicts are common, and the director must often mediate. They spew out all their venom at one time. Sometimes we can solve the conflict, and other times we have to live with it. The funeral director hears it all. We handle a lot of problems most people don't realize exist.