Uhhh all they would have to do, like all MMOs with trading, is set certain types of high end gear to be "soul locked". By that I mean for instance, take raid gear for example:
Lick raid gear so once it hits your inventory, it's locked to your account and unable to be traded. So low end gear can be swapped but certain weapons and gear at the high end of the spectrum are locked.
Not having trading is one thing that has made this game fall fast. The grinding required to get mats is tedious when you aren't guaranteed the items will be there to farm. All too often I go to do some farming and assholes start running the opposite direction just to grab the chest and others can't.
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Hey man I believe it's as easy as you say it is. I play mmorpg. And in all that I play there are trading options. But imagine the tons of little kids getting ripped off haha. Destiny has been made for all ages, that's why it's not complex in any way shape or form. Blame the kids ;-)