Hey there, you also have a PSN account linked. You cannot just set up a partial cross-save between two out of the three accounts, you either have to include the PSN account or unlink it.
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That's nuts because I haven't even installed destiny 2 on ps4! It just happened to come with the console I got for Christmas years ago. Didn't think it would've mattered if I didn't have it on the console. Thank you so much for the swift reply and help on that! May you get good loot this year :3