[2022] Look at the age at the bottom do we have to be 18 to play online on PSN or 16 or 17 cuz this is just dumb(I use a sub account)

If you look closely, the second imagine is a provisional PEGI rating, not a finalized rating.

That image is from the E3 trailer from back in summer 2021.

Whilst I’m not aware of what exactly the rules are regarding PSN age restrictions, you can consider the PEGI rating in the most recent trailers/videos to be the right one.