I played Destiny 2 Year One on Xbox. I switched to PC for Year 2 and have been on PC ever since. I unlocked everything in Year One and can't ever access it cause it's on Xbox. I've unlocked most of everything in Year 2 but can't access it on Xbox cause it's on my PC account. There are a lot of players like me whose accounts are really split and that was necessitated by the lack of cross-save.
Now that we have cross-save coming, we need to be able to merge those multiple accounts into a single account. I haven't heard anything from the live stream that confirmed whether or not we'd be able to merge our accounts. I hope that this is not an oversight on Bungie's part.