I don't think this is SPP. SPP highlights in the difference between the mathematically optimal choice and the choice chosen in practice. It is a difference between theory and practice. The problem proposed in this article occurs even in theory alone. Non-ergodicity means there is a mismatch between "the average of all possibilities in the next time-step" and "the long-term trend of one datapoint".

If we put bounds on the bank in SPP, the first coin toss would still have positive EV. In the new ergodicity problem, even with bounds on the bank, it is unclear whether the "first" coin toss is worth taking.