The dynamic pricing thing is a bit overblown. It look like it's dynamic pricing on specials, not RRP, which is common practice.. Generally when you shop online, whether retail items, flights or hotels, pricing is modified by profiling things like your location, how often you've looked at the product and what device you're using (people with iPhones get charged more for example).
I don't love it though, and hopefully it's just a test they'll abandon given the response. Then again, whenever I rail against these things my wife is fond of saying "they'll be stupid not to do it" (she's a pricing expert).
I think the reason it's such a big deal is because other digital game stores are doing the exact opposite.
For example, on Steam it will actually alert you if the game is available cheaper on the same platform before you checkout.
Here is an example I quickly found from my Wishlist:
Here Tank Mechanic Simulator is available on a special, but when I added it to my cart I got a warning that I can get the same game cheaper if I buy the bundle:
Here is what that same recommended bundle will cost me when I added it to my cart:

I already own Car Mechanic Simulator, but buying the bundle will mean I just get the game I want for cheaper and only pay R15.21 instead of R16.90.
So it comes across as very "anti consumer" to offer higher prices based on spending habits in this case, when other platforms like Steam will warn you that the game you want is available cheaper.
While it is true that other industries already offer dynamic pricing, when you have other digital game stores in the same industry that are doing the exact opposite, it's hard not to view what Sony is doing in a negative manner.
Similarly digital stores like GOG are making other consumer friendly moves like providing "ownership" of any games you buy there.
While other digital stores including Steam only give you a "license" to play the game.
So looking at these two alternatives, having a digital store for games that will try to charge you as much as possible and only provide a license is not a great look
Also out of interest, I have found some prices on Android, being more expensive than on my iPad.
(ChatGPT's monthly subscription is just one example)
But that's an unrelated topic that doesn't really change anything here for the topic at hand.
And I do agree with your wife on this one, honestly Sony would be stupid not to do this, because from a business standpoint it makes perfect sense.
It's just that from a consumer standpoint, it's really not great and will likely drive some gamers who have choice (like myself) away from the platform instead of towards it.
Which again loops us back to the exclusives being removed from PC.
It makes more sense business wise to have exclusives on a digital store where you can control the price and ensure you get as much money as possible for them.
But still not a very consumer friendly move.