I am a Roman Catholic, born, raised, many many years in Catholic schools from Nursery thru University Graduation. Strict is not how I would describe my status at present.
My family received the envelopes every month from the Parish - Diocese, and while there were times our family was asked to "pledge" a certain amount for this fund or that fund of the local Parish, or even the Diocese, there was never any penalty proposed, threatened or applied, so far as I am aware, and I would have been aware. Same for my Parents, and Grand Parents. A suitable amount was suggested and that was the end of it.
Not saying a pledge may not be handled with less grace in some places than in the greater Philadelphia, PA area, or the Washington, DC area, just saying that was never my experience.
There was a good deal of self pressure that was applied, and I am not aware of any pledge our family made that we did not fulfill... maybe even with some struggle at times to 'keep up', but no threat more severe than seeing ones name printed in a church bulletin with an amount next to it, was ever presented.
My parents and grand parents graves were paid for long ago, may my Mom and Grand Parents rest in peace. I remember my Grandfather grumbling about the cost of a Catholic cemetery... saying he wanted a deal, "give me the spot that floods regularly" kind of half joking, rather than the grave site on the hill, near the tree, that they always would show him on a visit to St. Joseph's Cemetery. As city people, a great expanse of grass and view was never so important.
The funerals for both grandparents were paid for at their time, both for the Church services and the funeral director's use of the church, and their services, embalming, copies of death certificates, and such.
Not inexpensive. Maybe someone with a prearranged funeral package would incur a different type of 'church debt' than did we, buy i presume such a prepaid package would be with the funeral director, and not the local church.
In any event, my Dad and I agree we will opt for cremation, ashes to be scattered someplace without a cost for that service, save the trip for the survivor to handle the task. Any church service will be paid for at the time, and the altar servers tipped accordingly.
The Church remains obtuse when it comes to intermarriage, and local rules may apply that seem asinine (I remember a cousin trying to arrange a wedding on a beach in HI, who gave up on a Catholic priest and found a suitable licensed parson via the concierge at the hotel, to get the wedding she wanted. Ukuleles and the whole nine yards...
Having said that, crimes committed by clergy should be paid for by the clergy with jail time, and courts will decree, or families may agree to some compensation for what the Church bureaucracy knew or should have known, as to those particular clergy being in a position to abuse anyone.
The Church should be in the same position as any litigant, and if the agreed upon, or court ordered payments are not made, then whatever legal system means of collection there are must apply.
Nothing less, and nothing more, in my opinion.