EDIT: IT STARTED WORKING!! I HAVENT CHANGED ANYTHING ON MY END. All I did was restart my PC one last time tried the game and now it works.
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Just would like to add my voice to the conversation. From all my testing it's definitely account based, as the crash happens on 3 separate computers and Stadia. A fresh account works just fine on said systems. Sadly it does seem to be a issue on the server-side end so we are currently SOL until Bungie notices this thread. I guess I'll go touch some grass until this gets fixed ¯\_(ツ)_/¯