I do understand what I'm talking about, and you being an independent game developer doesn't mean you also know what you're talking about, you don't work for a company and you're probably inexperienced. I may not design games but I've had years of coding and scripting schooling / self-teaching. The Vault is a mechanic that utilizes the games engine. Yes, it's true that it handles all you mentioned, but you didn't mention it all. Everything the game does that isn't pulling from the server side, is done by the engine and it's restrictions. The Vault takes up memory, and the engine can only handle so much with it's processing power. Destiny was designed for Legacy consoles, which means Bungie had to use an outdated engine and design software, they've even said it themselves that the software/engine Destiny runs on is old and dated, and hard to work on / work with.