All valid points and if you’re in hardship you should certainly be speaking to any company you have a financial relationship with.
The point I’m making is about forbearance. A little bit of tolerance goes a long way, especially during really tough times.
It goes both ways.
I do not think that any major airline (e.g. BA oder VS) will allow you to pay for ticket at a later time; moreover, we you may pay either 60 days or 200 days after ticketing; and where there is a risk of a personal bankcruptcy filing.