This has been an interesting thread, and I'm glad it's come up - as well as the one by the Crematorium Technician - it just shows how much people need and want to be able to talk about this stuff openly and honestly.
I just wanted to pick up on the comment about celebrants up-thread. I don't think it is accurate to say there is 'sh*t-loads' of money to be made as a celebrant. Of the celebrants I know (and I am one myself) charges are on average in the same region as the CofE - around £200. For that, I will expect to work with a family and FD over a period of a couple of weeks.
I start with an in-depth meeting with the family, getting a sense of their wishes and hearing all about the person who has died. I speak with others who may have input. Based on that, I prepare - from scratch - an individual and unique funeral service. It will take around 10 hours in total. As an independent celebrant, I will work with whatever spiritual or religious framework the family want - or keep it firmly non-religious, if that is their preference. I lead the ceremony on the day, and assist any other speakers (I'm there for back-up if they are overcome). I later send a keepsake copy of the full service.
I don't see myself ever wanting to take more than 3 services in a week - as I wish to make sure I am able to fully serve each family, and keep on top of all the associated behind the scenes work of liaising with FDs, arrangers, venue, music providers and other friends & family.
Hope that helps to clarify.