For the record burn in is exceedingly difficult to do. Only way I could see that happening is if you're patrolling for hours at a time....or just somehow bypassing idle detection.
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It very well could be some serious image retention. Still has me worried though. Worried to the point where Destiny won't be going back into my disk drive anytime soon. It's a shame, I enjoy the game. But it's not worth my tv. No other game has made me make that choice.
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It's the same risk as any other game with a hud, besides when I'm idle and forget to shut off my tv the goes into an energy conservation/burn protection mode. I really can't see how that happened or how that can legitimately happen on more than .5% or less users.