I play the weekly heroic which is always a guaranteed 9 coins. I earned those coins. A few weeks later I now have 23 coins and Xur is selling an exotic primary I really want. I earned those 23 coins playing 3 weeks of weekly heroic. Ergo I earned that gun he was selling. Sitting AFK in ROC Playlist and getting an exotic drop is not earning. That's luck. I would even argue getting exotics after beating a raid boss isn't earning since it's not 100% guaranteed. But since some people play the raids multiple times a week for months and get nothing then finally get one is a way of earning. Universal Remote dropped for me in crucible. I didn't earn that. I was 4th on my team with a 1.4kd. Top player got nothing. That was stupid luck that I didn't earn. Xur sold The Last Word a couple of weeks ago. I had the coins saved up from weekly heroics. I bought it. That I earned