It shouldn't require 40+ hours a week to be successful at the game. Xur's new mechanics mandate a large investment of gameplay to even use the vendor. Pathfinder requires multiple different types of gameplay, even going so far as to force people into paths they don't want, for much less Return on Investment of time played. Just the time spent traveling from place to place in the DLC campaign amounts to hours of time. Sure, your power players, and those that have figured out how to monetize their gaming, benefit from an economy that demands Destiny 2 be treated as a (second) career, but the casual player is being excluded from the gameplay by virtue of not being able to afford the only real currency associated with gaming, which is to say, time.