This is a different issue.
No. There is a reason why most motherboards support high clock frequencies on one full DIMM channel, but much lower frequencies when both DIMM channels are in use, and it isn't "physics" per se. After all, it is the exact same connectors and physical devices.
You can clearly see in the QVL I linked to that
many are only qualified to be used to fill one channel (one pair); and very few are qualified to fill both channels (two pairs, four DIMM sticks).
(You can argue that of course the base reason comes down to physics, because everything physical comes down to physics, really. Here, the two channels are not independent, but driven by the same memory controller, so the two channels do interact at least electrically. If this is what you call "a different issue", and the physical limitation when using 4 DIMMs instead of just 2, then I'd agree somewhat: to me, it is more like a design limitation in the memory controllers. As the motherboard ages, the memory controller becomes slightly more limited wrt. clock and signal pulse shapes and whatnot that work without errors; MLCC aging is an important part of that.)
Decoupling is primarily through ceramic capacitors and these don't really get bad due to age.
They age
enough to excarberate the differences between individual DIMM sticks. For example, for X5R, it is about 6% after the first 1000 hours of use.
Note that I'm specifically referring to the caps on the motherboard, not the ones on the memory sticks. For details on MLCC aging, do check out the
Würth Electronic Support Note on MLCC aging, for example. Also note that four years of almost daily use, 8h per day, corresponds to about 10000h of use, so those scales are very relevant here.
If this happened with a brand new motherboard and memory, I'd be very suspicious. When it happens with a motherboard that is five to ten years old, I
expect this kind of quirks due to aging, and just deal with it; I've built and maintained enough Intel/AMD PCs to have seen this in practice for myself.