As a working furnituremaker, it depends on the client's budget. I try to get a sense of budget early in the design process so that I can both provide the best bang for the buck for the client and also a uniform level of quality throughout the piece. If push comes to shove, though, I'm not going to turn a job down because there isn't budget for a frame and panel back. I'm not going to turn someone's work away because they can't afford a higher-end option that nobody will ever see. That's not how to treat people with dignity.

In a couple instances, I've turned down work because the budget and expectations were wildly incompatible, but that's as simple as saying "I can't do the work you're looking for at that price." I'll offer suggestions for a more cost-effective alternative if I can. In one instance, that's turned into work down the line when the client came back with a different project with a budget more in alignment with their goals.

Lastly, while everything Nancy Hiller (RIP) has ever written is worth reading, these two pieces are highly relevant to the question of standards, budgets, and delivering the whole project.

https://www.finewoodworking.com/2019/09/11/dont-knock-the-la...

https://www.popularwoodworking.com/editors-blog/lets-make-ev...