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I think it may before related to graphical issues. That they can only load a certain number of unique tiles into memory, which IS on the console. there very well could be room for more, but due to the variables of how many other guardians and special vendor visits with potentially each character using a unique piece of gear in every slot, plus world assets etc, etc... They could have hard limited the vault to prevent other issues where assets don't load.
I think someone on reddit already brought up a similar idea, but if the app is easier to develop and change, make a special long-term storage that isn't accessible in game, its app only. This way it doesn't alter anything about the game code but let's us collect to our hearts desire.
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