What happens to Bungie game content when the owner dies

Nobody inherits them, and Bungie is not where they sit. Destiny 2 expansion and DLC licenses are platform-store entitlements tied to the platform they were bought on — PlayStation, Xbox, Steam, or Epic. Bungie states that "DLC licenses, such as Beyond Light or Shadowkeep, do not transfer between platform accounts with Cross Save" and must be purchased separately on each platform. So any handling of those purchases runs through the deceased's underlying platform store account and that platform's deceased-user process, not through Bungie.

By default it is forfeited with the account. Bungie's license agreement states that virtual currency "cannot be sold or transferred, and cannot be exchanged for cash or for any other goods and services," that it is non-refundable subject to local law, and that a player is "not entitled to a refund or any other compensation" for unused virtual currency. Its Silver guide adds that "Bungie does not provide Silver refunds or transfers for any Destiny release," and that Silver balances are not shared across Destiny releases. An estate can still ask: send Bungie a written request citing those clauses and asking it to exercise discretion over the unspent balance for an account whose holder has died. Bungie is not obliged to agree. Note also that Bungie does not process refunds itself — the platform marketplace issues refunds and Bungie adjusts the Silver balance to match — so raise the request with the platform store that sold the Silver as well as with Bungie.

Bungie publishes no dedicated deceased-account form, and the obvious route does not work for an executor: the general Bungie Help submit-a-request page redirects to a Bungie.net sign-in before the ticket form loads. The channel that does not start at a credential wall is Bungie's privacy channel. Its Data Privacy Requests page states that "Users who cannot sign in to their Bungie.net profiles, or those who do not have a Bungie.net profile, can submit a privacy request by emailing privacyrequests@bungie.com to start their request," and Bungie's Privacy Policy publishes a postal address for privacy correspondence: Privacy Requests, Bungie, Inc., 550 106th Avenue NE, Suite 108, Bellevue, WA 98004-5088. Read the caveat published alongside it: Bungie also states that data erasure and data access requests require players to sign into their Bungie.net profiles for security purposes, and that requests it cannot validate are cancelled and closed out. Because Bungie offers no inheritance process, all of these are general privacy channels rather than an estate process.

Bungie's Privacy Policy states that "Bungie Inc. ... is a wholly owned subsidiary of Sony Interactive Entertainment (SIE) and part of PlayStation Studio." The acquisition did not create a deceased-user path at Bungie: the license terms are unchanged and Bungie still publishes no deceased-account process. Sony ownership does not make the Bungie license inheritable. What it does mean is that if the Destiny 2 content was bought on a PlayStation, those purchases sit on the PlayStation Network account — Bungie's license agreement states that for SIEA users, purchase and use of items on a Sony PlayStation product are subject to Sony's Network Terms of Service and User Agreement and that the online service is sublicensed by Sony Interactive Entertainment America, and its Terms of Use add that linking a Bungie account to a PlayStation Account brings the PlayStation Network terms in by reference. Those purchases are handled through PlayStation's own deceased-user process. Content bought on Xbox, Steam, or Epic is handled by those stores.

No. Cross Save only lets one person play a single set of characters across their own linked PlayStation, Xbox, Steam, and Epic accounts. Bungie states that "Cross Save does not permanently move characters to another platform, or merge characters from multiple accounts together," and that DLC licenses do not transfer between platform accounts with Cross Save. It is not a way to inherit or share purchased content.

Not realistically, and it is worth knowing before trying. Bungie states that it "is not able to remove connected platform accounts from profiles under any circumstances," and that it will not remove unauthorized Cross Save links from Bungie.net profiles. Deactivating Cross Save requires authenticating every linked platform account first, which an executor generally cannot do without the deceased's platform credentials, and doing so triggers an unskippable 90-day lockout for all accounts involved, stated to have no exceptions. A player who had Silver added also cannot disable Cross Save until 90 days after that Silver was purchased or added. Expect the Cross Save configuration to stay as the deceased left it, and work through the individual platform stores instead.

Bungie offers no inheritance or account-transfer process, so there is no sanctioned way to reassign the account. Do not sign in with the deceased's credentials to keep playing: the license is personal and non-transferable, the account is not the family's to operate, and Bungie states that any use of the program in violation of the license limitations results in immediate termination of the license. The sanctioned route is to ask in writing — send Bungie a request asking it to exercise discretion and allow a named family member to retain access to the library and progress, enclosing the death certificate and proof of authority to act for the estate, and follow each platform store's own deceased-user process for the purchases themselves. Bungie may decline. Closure can be requested through the same privacy channel once the estate no longer needs the account.