Stories are told to us? That is absolutely not a defining quality of a story.
If you're too lazy or not interested enough in the lore to seek it out, don't. That does not negate the fact that Destiny has a very fleshed out and layered story encompassing it's Universe.
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Lore must be accessible in the game or it isn't a story. The fact that you can't learn how a proper story is told is proof you couldn't possibly know if this one was good or not. And it isn't. Destiny doesn't have a story. Destiny has a world with some characters and events. No actual perspective given and no main character to take us through them. I need not point much further than the codex in Mass Effect. That, along with a plot for our guardian, would have saved a lot of bullshit.