The ability to vault strange coins should be patched out and gear should be bound to character upon equip because people are exploiting the ability to create 3 characters of the same class and share the gear and coins among them thereby allowing them to gain more coins than designed for use with Xur and allowing them to grind for the raid 3x as much. This is an exploit. Just like the cave. Just like pushing Atheon off the cliff. They must be punished. Bungie make it so.
EDIT: LOL the amount of hate is delicious. I'm wondering how many of you complaining are people who bitch about how Xur is ruining your precious exotics yet farm like this for strange coins. Hypocrits!
2nd EDIT: I like a posters suggestion to make Strange Coins bound to the character they were earned on. This would easily solve half the issue. The other half addressing people who are doing the raid to increase their RNGesus attempts could be likely fixed with some tweaks to the rewards. Such as guaranteeing at least a minimum reward of something decent and worth their time. It seems that people feel entitled to this method because of Bungie's lackluster loot mechanics. Also, another suggestion to allow the other two character slots to be filled with only the two other classes the person doesn't already have would be nice as well.
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It seems like it would be fairly easy for the game designers to make each character have a solitary vault where items would be non-transferable between characters, but the fact that it is not, AND you may often receive rewards/loot that is for another character type seems to prove there's an incentive here to in fact use the vault as well as create additional characters. This was meant to happen. Just like you cannot remove bounties from your inventory I.e. Exotic bounties, whatever, that too was seemingly meant to happen, not that I'm suggesting everything in this game that can happen was meant that way, we obviously know we are not glitching nor abusing the system in doing this