I think it is too convoluted/futuristic a question and does not address your worries? Tell her what you told us in this post about yourself and your situation and discuss what you want (enough sessions at a price you can afford). She may or may not want to cut your sessions in the future if you ask for a reduced rate in the future. Neither she nor you can see the future and trying to bind her to a future scenario in your head is not "rude" but unrealistic.