The only barrier I see to say a common meeting spot to group, is the limitations on the number of people in the reef or tower at any given time.
That's why I feel a hosted lobby like Gears of War and Perfect Dark had would be the optimal approach for Destiny.
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Maybe they could enable in game chatting at the tower or roaming in the world? I understand Bungie's POV and I understand yours the best thing we could do is LFG. Bungie's happy and we are happy. If it's in game then there would be no excuse for not using. Just spit balling here