RE: Your poll. There are no finished areas that are not accessible at this point. Nor were there any pre-HoW or pre-TDB. There were placeholders of things they were actively working on but not done with yet. It's easier to slap a wall or closed door in front of an incomplete zone than it is to delete the entire zone and everything related to it and risk breaking something.
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again, the areas should have been completed, but when their main competitor released a year early, they stopped working on those areas.
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yes. that is how game development works. it's not a scheme to steal your money. it's game development basics. plenty of games have content cut to meet a deadline. it's nothing new to destiny.
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they had enough time, they just wanted to make more cash