Large gatherings for funerals and such are known for being super spreader events, so to ask people to help fund something like that is really out of touch with reality!

We've had anti-vaxxers here die of covid and beg for donations for the huge hospital bills (totally preventable had they been vaccinated at the time) and funeral costs, but not for the funeral reception following the service. We have pretty relaxed celebrations of life with pot lucks in the park, more in keeping with the island lifestyle, though in one case the restaurant where the infection likely occurred, not only donated the most to the go fund me, but also hosted the celebration of life, inside the restaurant, furnishing the food. Yep, they are still open for business, and I won't be eating there for a while. It's a haven for the anti-vaxxer crowd.

One of my funeral clients whose mother died of covid, had a very small open air ash scattering with just the man, his wife and me, plus the captain of the boat and one crew member, out on a little zodiac boat to scatter the ashes in the ocean. No big super spreader event funeral - that is a reasonable approach. Cost was very little.