After reading your comments, here's a solution for you that does not involve starting over: switch permanently to a different platform (Xbox, Steam, or Stadia) and enable cross-play. Correct me if I'm wrong, but I believe that would solve your problem entirely. You could play on another system at any time while your son is playing something different.

[quote]I’ve shared a Console (ps4) and PSN with my son .. when The console launched he was so young it made sense! But now 6 years and 2 different consoles later I want to put my destiny 2 account on my PSN .. Is there a way for me to do that without losing four years of collecting and grinding Please help thank you!!!![/quote] -_- Your destiny character saves are tied to Bungie servers not the console storage. It has been this way for years and for many games in the past 10 or so.