USAA gets this right, to your point.
I can't tell you how many times I've opened the App, started doing something in their "support menu" and been told "You need to call support for this, press this button", the phone starts ringing and even if I have to wait a few minutes, the person who picks up the phone already knows who I am, why I'm calling based on inputs from the Mobile App. They authenticate by sending a security code to the app. Hands down my favorite experience calling support is whenever I need to call USAA for something.
(Plus, despite being retired from the services for 12 years now, it is nice sometimes hearing "Good Morning Sergeant Torres". Takes me back to my days on the flight line in a strange way, heh)
This already happens via rewards programs that route you to quicker or better support agents if you're in a higher rewards tier, implying that you're worth more to the business.
Perhaps one can even obtain income or credit information, or glean it from the caller's address based on median income or home price history.
This is their job that they're being paid for. I'm not, and that makes my time more precious than theirs in this case.