I would bring this up with your T. When I first began seeing my T, I said I was afraid to get in real deep with him because my insurance might run out and then I couldn't afford to keep coming. He said that once he was committed to working with me, he'd make sure we could continue. I know some people, during financial crises, see their T less frequently. Others see T with a reduced rate for a fixed period of time. There are ways to work with this. Check and see if that's possible, if things come to it.