Request: Seperate PSN accounts

I’m not sure if this is where to post this, but would it be possible to get the option to log into different PSN accounts? With the current system, if you ever lose access to your PlayStation account you are forever locked out of being able to play on PlayStation again.

Especially with PS5 coming out later next year, not being able to play because you are still locked to that PSN could be a fairly large issue. Would it be possible to separate it a bit, and the expansions be tied to the SE account similar to FFXI, where any account can log in on that users profile but only has access to the expansions they own on that system?

Thank you