Here is my logical approach based on the way Bungie has explained the vault being dependant on a memory limitation. (Due to memory constraints on 3rd gen, they had to scale back the increased vault size, remember?)
So here goes attempt number 432 at explaining this ingenious approach.
Lets take a minute and explain how the vault works first.
As with our inventories, the vault/inventory seems highly dependant on available system memory. The more there is going on around us, the longer it can take to load, right?
So then, if the vault is limited to available memory, hence the downsize to the vault space increase, wouldn't that memory refresh each time we switch characters? (Or reconnect to server...ie logging out and back in.)
Now if we know these things work this way then I think it is safe to assume the following:
Disabling the shared vault would virtually give us triple the vault space. Since the memory would refresh with each character switch, if each character had their own vault, then we instantly get triple space.
But what about moving items between characters? There is an app for that! Or perhaps we could use Bungie.net or Tess Everis and deposit as a special order to pick up on the character we need said item on.
So that's my theory. I'm about 99% it will work. But I don't have all the information or access I need to test it.
Please like this post if you agree with this logical approach. If you disagree, please state why. I hope I explained this well enough this time.
<3S guardians. I won't stop trying to help fix this great game.
Edit: Please visit this post as well. https://www.bungie.net/en/Forum/Post/122528556/0/0 Thanks @J Stevensontown
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#feedback
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Fail. Good idea, really, but I don't want to spend an hour equipping g stuff. It takes a considerable amount of time to go through all the avenues. The app is a poor solution as not every one has an appropriate device. Even if they do it needs to be available. If mom is using the iPad its kinda hard. Better idea to leave the old gen alone and increase the new. The 360 and ps3 users shouldn't hold back the new gen. They could give the one and PS users a larger vault without consequence I imagine. The app has also lost items for people and I wouldn't want to rely on it. I think 1 shared inventory, no vault. Scrap compare, the items aren't that complex.