What happens when someone who hasn't bought TTK signs onto a console who's primary owner has bought it, they play TTK and get gear and quests, and then they go home back their console? Giving access in the way that you want would create all sorts of account problems. The terms should have stated that from day one, but since they didn't it puts the company in a awkard position
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Doesn't matter who comes around playing what, USAGE POLICY at POINT OF SALE clearly states the policy which has been a long standing xbox live market place policy, Bungie have breached these terms and a full refund could be quite easily be had by contacting Microsoft.