(I am in this business, so I know what I am talking about)
It used to be that if you were a church member, the church was free or nearly free to use for your ceremony. But those days are long gone.
**Church weddings are in decline because Churches now charge astronomical sums for having the wedding there**
For sacraments there is no charge.
Reception hall, yes, gifts. yes. But no charges for the sacrament.
That is a part of it. I know of one young couple who did not have a church wedding because they didn’t want to spend the money on a 30 minute ceremony. That and they preferred to be “married” outside the law, and the pastor wouldn’t do it without a valid marriage license.
Also, there is the fact that marriage doesn’t mean much to most these days. Between the rampant divorce culture, the “shacking up/Hooking up” culture, to the celebration of bastards, many are asking why spend the money and time on a church marriage when I can have all the fun and none of the cost?
Marriage in short, is becoming a luxury good in the classic sense. Many want it, all say it is nice, but it is viewed as a cost and not a benefit.
Same thing with my father's funeral. There was no question of money. Again, I made a token offering to the pastor and additionally gave the organist/choir director $25 and she was actually shocked that I had made an offer of money.