When my mother passed 15 years ago we did the full funeral. Overpriced casket, visitation at the funeral home and a church service with a lunch afterwards. We did it because that's what people did at the time where she lived. She died relatively young and that's what her friends and extended family needed for closure.
When my mother in law passed last year we did a simple cremation and a celebration of life for a fraction of the cost.
I don't know how any funeral home, let alone a family owned one, can survive any more.