Bungie has come out and said that it is the overlay specifically causing the problem, so ya disable that and you should be good. Also confirmed that GeForce Experience overlay and Afterburner is known to cause problems as well. Not always bans, but game .exe crashes too.
Oh! Ya I streamed some of my game play using the shadow feature on gforce with no issues. I understand the whole discord and ts3 being flagged though when you use their overly
Bungie just released info on the plan for end game content release for the PC version: https://www.bungie.net/en/Explore/Detail/News/46413