So I believe that 100 shards per engram is a bit much I can understand the flawless engram repurchase being 100 but the other ones should be 25 I usually gain about 1k to 2k playing this game a season and I'm steadily declining in total funds. I do play this game quite a bit but I do think this issue is even more prominent for the newer players or those who don't play very often, 100 shards is difficult to scrounge up and I can see new players just grinding their lives away for shards just to pick up these engrams or just going to rahool because it's just too much to lose.
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I would be happy with a weapon/armor option for 5-10 shards like umbrals have. Ive dropped over 10k shards this season in my inventory, and that's with redeeming 6k IB tokens and 20k gunsmith tokens while only saving a handful of items.