I would take a delay of game just to have this capability. Borderlands did it and that is a RPG like game. And you can still play online while split screen. Can't imagine why they don't have this as an option. But who knows what the complication was or the reason. I believe it is to force or at least promote connecting with people online.
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That's what I thought as well. But Bungie says they will change the game if the community wants it changed. So we can do this. Together. Don't forget to like and share.