Gambling would be a good way to lose glimmer. Now when I get maxed glimmer I throw it away on engrams or ammo packs which I don't really use anymore
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If you want another luck based system then fine here is an example of what I'd implement: Proportionate weapons/armor to your level all the time, 1k bet and a slot machine with jackpot being an exotic engram of your class and always your class.