What happens if I’m unable to pay monthly fee?

Depending on your plan and situation, you can request a payment deferment.  Requests are handled on a case-by-case basis through Adobe Customer Care.

https://helpx.adobe.com/contact.html

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NOTE: The pandemic is effecting all sectors. There are fewer available support agents and wait times may be longer than normal.

Stay safe.

First, contact support and ask for some free time... not a policy, but I have read reports that this sometimes works

Be sure to remain signed in with your Adobe ID before accessing the link below
-you must also allow 'cookies' in your web browser for this to work
https://helpx.adobe.com/contact/support.html
-click the chat icon at the bottom right of the page to open a chat session
-the chat icon looks like '3 dots inside a circle' at the lower right
-type AGENT into the chat window to connect directly to a person rather than the AI
Do be aware that Adobe's staffing is impacted by the virus, so wait times are long

Next, if the above does not work, your subscription programs will stop working