You may find the regulations are not as bad as you think. The funeral industry has a vested interest in people thinking "this is just what you have to do" and paying for all the things. And, when you're in a stressful situation having just had a relative die, it is actually very helpful to just hand all the details to someone else, I know this well - provided you have the money for it. But I also know that over here you can actually do almost everything yourself and the actual mandatory expenses are quite minimal. You just have to know about this option beforehand so you can consider it when surprised by the need for a funeral.
In New Zealand, if you're interested in arranging a funeral yourself, everything you need to know is on the below website. And although all the information is for free on the website, there's also a book you can buy from there that has everything you need in it, excellent resource to just have sitting on the shelf. For our extended family we have a copy sitting on my parents bookshelf, and we're all aware it's there if we need it.
How to organise a funeral without using a funeral director
www.diyfuneral.co.nz