I don't know why Faction gear can't be purchased with one or the other. I mean you don't technically have to play multiplayer; you can farm materials and for every 50 trade them in for crucible marks. After getting 1,000 of any material you can hit your limit. How long would that take?
It really feels like to me, Destiny was limited either because of a corporate mandate or because of the last-generation of consoles they had to develop for. The amount of content definitely feels more like a PS3 game than a PS4 game, but I think even for last-gen, this game would feel pretty small. There just isn't enough content.
However, with Activision involved, I'm inclined to be more cynical in thinking they limited content on purpose in order to fill in the initial expansion pass. The empty areas of the Tower of which you speak is likely space reserved for future additions or limited-time events, like the Iron Banner that took place during the Beta phase.


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