I live in Russia and I can't use youtube and discord without a VPN. Can I lose my destiny 2 account with 10,000 hours if I play under a VPN and sometimes from different locations because I have a VPN without a choice of country, I just click connect in it and it selects the fastest software ping server
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Using a VPN for Destiny 2 is generally allowed by Bungie's Terms of Service as long as it's used for legitimate purposes like improving connection quality or security, but it's not allowed if used to cheat or gain an unfair advantage over other players.
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VPNs are fine as long as you aren't using it to do things that break CoC such as network manipulation or to the detriment of others in crucible lobbies (ie you end up on a far away country server and match locally to them but you then have a high ping)