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@starfish&coffee
1) Yes, by all means offer to pay what you can afford, i.e. half of the asking price. It's not impossible that they'll have a think, then call you back once they have realised no one is going to pay the full price anyway. Alternatively, they might offer you another work by the same artist that is within your price range.
2) Going behind the gallery's back is generally considered bad form. If this is an established artist/gallery relationship you might get the door slammed in your face both places, and end up with nothing.
That being said, if it is one of those shitty gallery-for-hire places, such as Brick Lane Gallery, just go directly to the artist via the artist's own website.