I had a pretty positive experience with this. I had switched jobs and had to take a pay cut. I think I mentioned in passing the extra stress I had. Then a few sessions down the road she suggested something and in a moment of panic I blurted that I didn’t have the money. And then a couple sessions after that she offered to reduce the rate. I think I said no initially, because of my pride, but quickly relented because I needed the help. Then I went back to her regular fee. And after a while I needed to see her more often so she offered to reduce again. And at that stage offered me that rate indefinitely. Once I got a better job, I started working towards paying her her regular fee.
Money is a funny thing for me too, and it was hard to ask for it and equally hard to accept. But at the end of the day, you’re T can say yes, or no. And if he says no, he can come up with solutions. I’m sure you’re not the first or the last person to ask for a reduced price - especially during these trying times.