Why would you start a thread that you have absolutely NO facts to back it up. Why not wait until you HAVE the facts and then post your complaint?
I have searched multiple forums AND the Destiny Subreddit and there is ZERO information about anything of the likes.
English
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For insurance. I might get banned before getting to college.
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What the hell does insurance, bans and college even remotely have to do with one another?! Put down the pipe bro.