Write the message I've been putting off for days

There's a message I've been avoiding sending. Help me write it.

Who it's to: [WHO THEY ARE TO YOU]
What it's about: [THE SITUATION, INCLUDING THE PART THAT MAKES IT AWKWARD]
What I actually want to happen: [THE OUTCOME]
Why I've been putting it off: [BE HONEST — bad news, my mistake, asking for money, saying no, chasing something]

Before drafting, tell me one thing: what am I actually afraid of here? Name it in a sentence. Most avoided messages are avoided for a reason the sender hasn't said out loud.

Then write it. Rules:
- Lead with the point. The thing I've been avoiding goes in the first two sentences, not paragraph four.
- No cushioning. Cut "I just wanted to", "sorry to bother you", "I hope this finds you well", and every other phrase that exists to soften my own discomfort rather than to help them.
- If I'm in the wrong, say so plainly and once. Repeated apology reads as anxiety, not accountability.
- If I want something, ask for it specifically, with a date.
- Short. Length is a symptom of not having decided what to say.

Then give me:
- A colder version, in case my first instinct is too warm for the situation
- A warmer version, in case it isn't
- The one sentence you'd cut if I made you cut something

Don't tell me it's a difficult situation. I know. That's why I haven't sent it.