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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Everyone needs to relax. There hasn't been an expansion pack yet; this is the first set of raiding. This company is as predictable as they come. Eventually bosses won't drop loot... They will drop a currency and you will stockpile the currency and head to the tower and then purchase the gear of your choice via the currency. Then hard mode raid will be more difficult and drop slightly better gear. This gear will not be able to be purchased via the currency and will be the "trophy" for completing the hard mode. It will have a more strict loot table but will still have it's on set of rng. This liberal view of everyone gets a trophy is starting to get pretty tiring to read. Everyone feels bad for you that you don't have the item you are longing for. Keep at it, maybe one day you'll get it. It's all random, believe me I have more xv10s, chatter whites, glass minuets, and aspects of glass than I'll ever need.