I spent the better part of 12 hours troubleshooting this and coming up with a fix on my own yesterday because doing Iron Banner was driving me absolutely bonkers crashing every 40-45 minutes.
Here are my findings: https://www.bungie.net/en/Forums/Post/239039155?sort=0&page=0&path=1
Since I set Destiny2.exe to run as administrator by default, I haven't had a crash and was able to play 6 hours consistently last night.
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Already tried everything under the sun, including running the game in administrator mode.