Money does talk you're right. But you can use it in your favour. Which is why that price list is so itemised. If they said £65 per meter for brickbond diamond with flexigrout and plyoverlay the PLUS material costs, they'd never get a job. But itemising it works for the customer and them it seems, everybody is happy they know what they are getting.
I think you'll always have customers that you know can't afford, and generally ou try and fit them in as and when you can but obviously you want to be aiming your market at work that is easy and gives you more profit.
And Mr Jones on the nice estate probably wants to know where his cash is going etc.
Obviously though those that you are doing for not much profit you will usually be using standard adhesives and tiling square, normal and easy. Obviously still keeping your reputation with that market but allowing you to serve the higher end too.
But if you aim at the cheap budget end and work in a rusty small van FOREVER (I know you have to use what you have at times) and you don't look the part you only have your price and rep to go by, and with most of you having no rep it's price and price alone. Which means you will find it hard to get out of the lower end price-war tiling.
I think :S