I can agree with everything you've said. The hardest part of all of this is that Bungie has repeatedly said that this is NOT an MMO. They've created a new genre they call a "Shared-world Shooter". If we go by the definitions of MMO and FPS, then we all set ourselves up for missed expectations. If I take Destiny and remove all the labels, then I am left with a game that has unbelievably solid mechanics, an addicting loot system, sweet looking character customization, and.....an under-developed story.
I love the game, but agree that I would have liked a deeper story and more MMO traits such as trading, mini games, better in-game communication, crafting, etc.
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So you like getting shards from bosses or no set farm points for loot? Or getting random loot drops only to find out it's the same gear they sell in the tower vendors? I've gotten the same plan c fusion rifle 6x in 6x locations. But that's cool they should of referenced borderlands for help. Even defiance does a better job.