I think there are therapists who take Medicare, but you probably want to stick with your current T think so that is not an option. I do think it is reasonable to ask for a reduced fee that matches your finances or even just what you personally feel it is worth for you - it is a fair negotiation, like with any professional or seller. The thing though is that the T may also have their own idea and cutoff, and perfectly has the right to say no to a request or offer. Negotiation is usually a two-way compromise and, realistically, if the parties cannot arrive at an agreement, one can express any amount of dissatisfaction, it won't resolve it.

One thing that I wonder... you said that your T suggested cutting back on sessions but "stuff came up in your life" - do you feel that you use your therapy efficiently to discuss all that stuff? I also have the feeling from your posts that you spend a lot of your mental and therapy time talking about whatever your T does or does not do, and how it is not satisfying for you in the moment. Isn't that a bit of distraction from dealing with your own actual issues? Is it helpful to you to ruminate so much over the Ts life and behavior, either by yourself or with her? I don't know... just wondering. Many Ts do like to spend a lot of time discussing what goes on between them and the client, but from your posts it often sounds like your T is gently trying to push you to focus on you more, or to reduce your interactions and engage in your own life more, probably because the other things have been going in a circle for a while? You do say here that you are not looking to progress or change much, so perhaps that is okay. You bring up your age as a point where you don't expect big changes. But those things you often talk about here, dealing with your child wishes and how you want to experience the T as a mom figure, family substitute etc... maybe after a certain age, those things become a bit unrealistic and really not malleable? And your T knows this and tries to steer your to move on from it somehow?

I hope this does not come across as critical, just some speculation I thought to share.