I'm in the same boat, gamer / fan of Bungie IPs but also from an engineering perspective what annoys me is that they didn't have any sort of warning system implemented.. even something primitive like League of Legend's bugsplat, force close the game and bring up a popup "Hey, sorry.. we've detected something interfering with the game and had to close the game, please ensure you have nothing that might be interfering.. overlays etc" Instead what we get is a "Your account is banned, please see the help section of our site about bans" and that's when you find out overlays can ban you ... once it's too late. I mean hell... today there's soo many programs that have overlays, some that even I find it annoying to close or they just "magically" find a way to turn themselves back on.. or a feature introduced in an update that it's just a lot of work to keep track of them all especially for someone who isn't as computer savvy. I really feel for those people the most, the casual players, the ones who don't know much about computers and don't check forums.