no not entirely you can have districts locked to pc players and locked to ps4 and districts for both
PS4(financial)
PC (financial) so on and so forth and have 2-3 social open for both
and then you can have PS4 + PC(financial) same thing with waterfront
A really good Ps4 player can play a PC player
and if possible it wouldn't be a bad idea (more server population and diversity)