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The customer says oh this needs done and delays the brickie for 6 months. In that 6 months the price will probs change and then it liable to the customer.
You've added extra conditionality there - if the delay happens post hoc and is the customer's fault that's a different scenario to pricing up a big job one day-1 with knowledge that there will be inflation between agreeing the price and actually supplying the materials.
The difficulty for the homeowner is that the contractor has them over a barrel once the job starts as the WIP is worth zero (or less) if the contractor phoenixes and they have to get someone else in.
Right, so to say that the brickie is "liable for bricks" is a nonsense. That risk is staying with the customer.