I should imagine most people deal with such institutions at best a few times in their lives. Something funeral directors are keenly aware of in the UK and no doubt the US. They dislike being asked straight out questions about what is required by law and what is not and I know that from personal experience. Family run funeral homes are nearly extinct in the UK, only a couple in this area of London are like that any more. Even many which claim to be family run are actually run by large companies which just kept the family name after buying out the business.
Unfortunately, the issue is not how affordable the casket is going to be. It is really the FIXED costs that are funeral homes are going to charge. No matter where one has a funeral, the out of pocket costs for a one day traditional service is about $4,500 - $5,000, which includes the cheapest casket of about $800-$1,000. There is no way around these costs that I can envision or even be negotiated because some person or family is poor. The same is true for the cemetery costs (i.e. open & close, vault liners, plot) involved. The Catholic cemetery charge the same FIXED costs that also go up approximately 5%-10% each year. Even when I said I would pay $11,400 upfront for a double burial with everything included, they discounted the price about $100. The refrain from the cemetery is that you can pay off the expense over four years at 0% interest. In other words, there are no price breaks as they know people die and need to be buried somewhere.