To ask for a charity donation rather than payment?

[Hop27]

A good friend has asked me to do some funeral flowers for her. I also did her wedding flowers for context. I used to be a florist a lifetime ago and now work full time, senior role tier one construction. This girl is beautiful, kind and thoughtful and is losing someone close to her. (Plus has a young family) I've bought all the flowers and arranged them for her exactly as she wanted. The funeral is tomorrow as she has asked how much I need in terms of money. I've loved doing them, it's been a welcome distraction in the midst of fertility heartbreak.
AIBU to propose that she gifts the money to a charity of her family's choice rather than give me the money for the raw materials? Or does that make me seem insensitive?

I would say there is no charge if you don't want to charge. Lovely gesture if you can afford it and as you have enjoyed it. If she insists suggest a charity donation instead.

Just say no charge and if she keeps insisting tell her she can buy you a coffee and a cake when you're able to meet up

I think that's a lovely, kind thing to do

That's a lovely suggestion, particularly if there would normally have been a collection for charity at the funeral. At the moment, with funerals so heartbreakingly tiny, collections must be greatly reduced.

Just tell her it's been incredibly meaningful to you to be able to craft the flower arrangement for her family and you'd like her to pay it forward in the future (by any RAOK of her choice). Paying it forward is a link between the "now" and the "then" because I infer you are much older than her. This type of concept might be appealing to her, as funerals tend to make people think about the flow of time. Condolences on your loss - if you're a family friend, I also infer you knew the deceased. x