Agree with the entire post. That stuff about grimoire is genius. Loading screens would be perfect. How much of our 'playing time' is spent on these loading screens? So much that we try balance as much as we can to avoid going from place to place... Have an Iron Banner weapon you want to pay for, ran out of money, but another character has amethyst in their inventory? If you have the app to transfer to vault, you still must go to the Reef, turn-in, go back to the Tower then get your stuff... Could have read 5 damn cards in that wasted time. Why wouldn't you just have turned in amethyst when received? Because 25000 glimmer isn't a lot when considering that items for purchase x 3 characters total over 75000. On that note - I had just realized that glimmer is the only item in my inventory that is for my profile, and not individual to each guardian - like everything else (can't transfer marks, faction rep, bounties, etc...). But why does my Hunter get to spend money that my Titan earned? This is how domestic fights start... Hunter better go make the Titan a sammich...