Board Thread:Questions and Answers Forum/@comment-25401643-20140909112247/@comment-24057866-20150525181659

96.252.100.8 wrote: kind of sorry I bought the game now, I have three grandchildren and if they all make an avatar then I don't get to make one , too many restrictions for as much as I paid for the game. The restrictions are there to prevent people from being able to get the best loot too quickly. All of the end-game activities have weekly loot lockouts, and having multiple characters allow you to get loot multiple times per week. Someone with too much time on their hands would be able to make 12 characters and do in one week what would take me three months to do with only three characters. Bungie doesn't want that.

If you need more than 3 characters, just make another PlayStation Network/Xbox Live account. You won't need to pay for a premium subscription because most of the core activities don't require them. And if you're on Xbox One, if one account has a Gold membership, all accounts on that Xbox get gold too.