I've never heard Destiny summed up better than:
"We were going to say that Bungie had made no effort at all in any aspect of the game, but that’s not quite true. In terms of taking ruthless advantage of their fans they’ve left no corner unturned."
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Andddd here's another one: "It has all the trappings of the most abusive, microtransaction laden mobile game: time gated content, infuriatingly random drops, and multiple currencies that change in importance on a whim."