Funerals are a big market. Everybody is going to die. These funeral directors and cemeteries have run the costs up so much that it is very, very costly. Add to that, families have 2 or less children to pay for these costs and you can see how cremation has become a preferred option for many people.
In my opinion, people have to plan for their death and burial far in advance. I also think people can be really creative to keep costs down.
I've posted on this topic before as I have some background in this field, and I am considering working toward a funeral directors license. CathMomof7 states things well.
Plan ahead and start setting funds aside. A modest life insurance policy is one good way to do this, but there are others. Cemetery property, and associated services such as opening and closing the grave, marker setting, etc. can be purchased at today's prices and usually paid for over time, interest free. Public cemeteries will generally be less expensive than private or even church operated ones. Burial on one's own property can be an option in some areas, as stated by others.
Unless one lives in a very rural area there are usually several choices for funeral homes, and they all serve a radius of at least 20 - 40 miles from their locations. They will go beyond that with a modest fee for extra mileage ...
... SO, it pays to shop around ahead of time as there can be wide variations in what different firms charge. When you stop in they are required by Federal Trade Commission regulations to give you a copy of their General Price List. Many firms also post this on their web sites.
In larger towns there will also be discount providers or cooperatives. One will want to do due diligence but some of these have very good reputations. They are fully licensed mortuary services who keep their overhead low by not having an elegant funeral home building, using a van instead of a hearse (or rent a hearse when requested for an additional fee), outsourcing removals and embalming to an outside source. Instead of a casket display room (and the associated inventory or display cost) they will have a print or digital catalog to select from and order in a unit as needed. The Mass will be at one's chapel or parish church and the evening Vigil / Rosary service can be there also, so no need for a funeral home with a nice chapel. In my observation some of these can provide full service at half the cost of a traditional funeral home.
There will be wide variation between firms in how they price their caskets and in the range they offer, so again it is good to shop around ahead of time. One can also make their own wood casket (plans are available online) or order one from Costco. Funeral homes cannot charge a handing fee if you purchase a casket elsewhere. I will say, having been self employed myself, it would be nice to at least give the funeral home the opportunity to be competitive, and many will do so.