I won't argue on the story because it's pretty much summed up there but the loot is pretty far from accurate. Diablo 3 can be considered accurate if you want to call anything but the legendaries loot. The legendaries become easier to get the longer you don't get one which is nice. But it still takes some time. I've gone six+ hours in Diablo 3 without getting a single legendary. Or anything useful for that matter. I was playing with a guy in destiny who found three legendary engrams in 20 minutes. Borderlands 2 has an extremely higher drop rate of weapons but that game has lootables everywhere. Destiny does not and if you consider how often actual weapons drop from enemies in borderlands it's not that common. Most loot is found in chests of sorts or bought. Destiny lacks a large amount of chests and lootables even more so. You can't compare how often an engram drops in destiny to loot found via chests in borderlands. If you're only considering enemy drops then they're about the same. From what I've experienced anyway. Furthermore have you seen the drop rate on legendary weapons in borderlands 2. It's extremely poor. I've gone through borderlands 2 three times, from first playthrough to ultimate vault Hunter mode, and I never got a single legendary drop. Not including flame of the firehawk shield since it's a mission reward. I hit level cap before I got my first legendary as a drop and by then I had repeated the game so much that I just hacked in stuff to add some flare to the game. That game requires more time farming than destiny does its ridiculous. Despite all that, I'm not saying destiny's drops are good. They're still pretty skewed. It would be nice if they gave you a legendary engram that was guaranteed to be legendary and for the character you're playing upon hitting level 20. A closer comparison of the drop rates of destiny to another game would have to be other mmo or mmo-esque games like maplestory (though it's shit now) and ragnarok. You can't compare destiny, an mmo-esque game, to Diablo 3 and borderlands 2 because the latter two aren't mmo. They're more co-op campaign games and because they focus so much on campaign and individual players they can't have weapons drop once every 20 minutes. There's just too much of a difference between destiny and the other two to be able to compare them accurately. TL;DR: destiny's loot game is shitty but it's not the same kind of shit loot game that Diablo 3 and borderlands 2 have.