I just build a new pc and although it's running ever game on at least 60fps destiny runs on 20fps
the GPU usage is very low (about 5-20%)
specs
AMD radeon RX 6700 XT
AMD ryzen 5 5600X 6 cores
16GB of RAM
ROG STRIX B550-E gaming
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Outside of the fact there is an actual issue that has been in the game since beyond light.. Have you checked your CPU’s usage while the game is running? It can usually get you going in the right direction per software on your pc. Next, every other day there seems to be an os or driver update(🤦).. so make sure they are all up to par. Ie motherboard, cpu and os Hardware... 🤷🏻♀️ there are so many directions of what can cause this that it would be very hard to walk you through it myself. From your heat sync to who knows what. But I would not worry about this avenue since you are running other games where you want. Hopefully you are just dealing with the known issue that bungie is investigating and “hopefully” a fix coming soon.
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Known issue. https://www.bungie.net/en/Forums/Post/257630620?page=0&sort=0&showBanned=0&path=0
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Sounds like you have problems with your Hardwear. Just because it says it can do this, doesn't mean it's not experiencing problems.