In Australia, poor people need to pay for funeral insurance. A
company that insured many indigenous people turned out to be a fraud, and
now those who paid for the insurance can't have funerals.
Poor people should not have to pay for funerals -- not at all. A
reasonable, non-luxurious funeral should be the norm, and the state
should pay for that.
The lavish and expensive funerals that are usual in the US are not
fraudulent like Youpla, but they are predatory. Your dead relative
won't notice what the coffin is made of, and a well-embalmed and
sculptured corpse won't be any more alive than one which decays.
Let's resist the social pressure for this and other sorts of
competitive conspicuous consumption, and spend money on goods and
services that are actually useful for the living. For instance, the
opportunity for the relatives and friends of the deceased to meet and
talk is the part of a funeral that serves them rather than a business.