The funeral home can certainly be at fault. They try to upsell the options like a car salesman. They should just provide a list of options and let the family decide.
Yep, here's Liberace (famous pianist, here an actor) being the funeral analog of the car-salesman in the '60's movie "The Love One": https://www.youtube.com/watch?v=uoZ5dTQa_2E