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curl-6 said:

I suspect the overall equation basically comes down to this; [...] to make up for the reduction in userbase, they're looking for every way they can to squeeze more money from each individual customer

No suspicion needed, they outright said so themselves: 

"[...]Tao said, explaining that the company’s goal is to “minimize the impact” of rising memory costs by focusing on “monetizing the installed base” and growing software and network services revenue." 

From https://www.gamespot.com/articles/sony-could-offset-rising-ram-costs-by-monetizing-the-ps5-install-base/1100-6538266/