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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Wrote on another topic about this issue, but reposting it here in case it helps visibility: I came here due to this exact same issue and found your post when looking around. I played Destiny 2 for pretty much 8+ hours today with no issues before this started, I was helping a friend that recently came back to the game (they are on PS5) after being away from it for a couple of years. At night we were doing patrols on the Castellum as I was teaching him about resonance weapons, crafting and whatnot while trying to get him a mini-tool, after running around there for a couple of hours the game froze and crashed twice in a matter of 15min or so after no issues the whole day, after the last crash I got out of the PC for a bit. After I came back in an hour or so and tried to join him back I found that I was unable to load into any destination at all. The game opens with no issues, I can access all of my characters, the store, the tabs, can move things around with DIM, but as soon as I try to load into any destination at all I encounter a hard crash (crash to desktop). Have tried everything available from my side, to my knowledge this looks a lot like some truncated issues server side. Got into a friend's account to test and was able to load into anywhere with no problems at all. UPDATE: downloaded D2 on my PS5 and encountered the same issue of crashing when trying to load into any destination UPDATE 2: downloaded D2 to my laptop and same thing. So this is definitely not something client side.