That's a tremendous amount of money. I'm sure the church bringing in professional services to handle funerals is a more modern innovation too. The ideal in my head is that it would be entirely handled by the community - I presume this ideal existed in the past, though I'm not sure how far back you'd have to go per-locality. In the UK where I live, churchgoers also are typically buried by a funeral director, so I'm not talking about something that still exists AFAIK.

Also, I'm sorry for your loss.

Charging money does not make something a corporation. Though I'm aware of the financialised nature of some American churches, I'm talking from a British perspective where that isn't the case (as far as I am aware, I don't personally attend church).

Either way, I don't think there's as much moral hazard if you're charging someone at cost as part of a communal service, compared to trying to squeeze as much profit as possible out of grieving families.