Bungie Answered
lost all an all gold loadout because my bag fell through the map and teammates couldnt res me.
Fighting in pinwheel, I got downed and finished, teammates clean up and go to res me but my body is stuck under map. Really cool mechanic esp since I already know bungie is not going to replace my gear. Great game, https://youtu.be/_jkNnYIy64w 
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Comments
Hello there,
Thank you for your report.
We are aware of issues players can drop beneath the floor/geometry of the map.
We are currently investigating this issue.
While we're unable to manually return lost loot, we have a system in place that automatically refunds gear lost to a subset of server errors. Please note that this will not cover gameplay losses due to Internet connectivity or client-side problems.
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