The tyre information plate is just that, tyre sizes and pressures recommended by car manufacturers.
The weight in a car is spread over all four wheels, and if extra rear weight is within the wheelbase of the car some of it will naturally transfer to front wheels, and you could argue that if you brake with 4 or 5 people in the car you transfer more weight to front wheels, as you do going downhill, so why not have more pressure in front as well, the reason for increasing rear pressure only when a trailer is attached is that the weight is on the towbar, which is outside and to the rear of where the rear wheels touch the ground, so that weight is putting more load on rear tyres but actually taking weight off the front wheels because car is being pivoted around rear axle. Like yourself I have never changed tyre pressure on any car just because I am carrying passengers or not, what is the point of keep raising and lowering the pressure. How many times do you have 5 people and luggage in a Jazz anyway compared to just the driver and no luggage ? Would you drop the pressure when just a driver in the car ? I think the extra or less weight falls within tyre makers 'tolerance' any way.
Tell your neighbour there are more important things in life than worrying about tyre pressure to that degree - trust the engineers.