Wow. So many great ideas and good points. The only problem I see here: Doing all of this will cost them more money than just proceeding the way they did so far. And they sold millions of copies nevertheless... Also, this would require the devs to actually have a plan about how to evolve and continue their franchise. With Destiny still being in its beta state IMO, I highly doubt, they really have one already.
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Sadly, I'm inclined to agree with you... Ultimately it just seems to boil down to which method makes them more money. Which is rather frustrating...