Honestly I want my wife to do whatever is cheapest to get rid of me when I croak. I don't think it matters and believe it is a HUGE scam and waste of $$$$. Maybe your MIL simply thinks the same?
Maybe. I don't really care what happens to me, either, when I die, but I guess I want others to have something nice. Like I don't care, but I don't want my husband to walk out of the crematorium with some freezer bags of my ashes. I don't think that makes sense, but whatever.