Who has a loved one cremated and lets them sit at the funeral home?
Nobody I know.
You can be cremated and HAVE a funeral. And people can go to the graveside and see the urn and urn holder buried in a plot in a cemetery.
Funeral homes encourage having BOTH a funeral and graveside service even if you are cremated.
Everyone who is cremated doesn't sit in an urn in somebody's house or get scattered.
There can still be a headstone and a grave or any and all to visit. My mother-in-law was cremated and we had a funeral, grave and headstone for her.