Funeral Homes hate the Government.
They are incredibly rude to the families receiving financial assistance, it takes 3 months for them to pay us, and did you know that if you don't have a will they cut your step-children out of the process entirely?
We had one gentleman in our care whose only living family was his step-daughter. Because there were no blood relatives and no will the Public Guardian took control of his disposition and the step-daughter had no say in anything that happened with him. Wasn't allowed to keep a portion of the ashes, the Funeral Director had to fight just to allow the step-daughter a brief final visitation.
This is also true for children under 18. Your 17 year old child has no say in your disposition if you have no other living relatives.
Have a will people, if for no other reason than to allow your loved ones to decide how they will grieve rather than some indifferent bureaucrat.