I think it would work out okay.
If a mod sees a name that's bad, he can send a warning message saying to change the name within 24 hours or have a 3 day ban.
Let's say...SonicJohn changes his name to Sarsion (which he already said that he would if he could)...now some people won't recognize him. Not a problem. Somewhere near the username would be a down arrow that you can click on and it shows you the names that said user has gone by in the past.
Web team...I hope you see this. If you guys haven't implemented this...please do. Whatever you guys produce for Bungie.next I know will be awesome...but this will greatly add onto the awesome sauce.
So...yay or nay? Why?
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It's a slippery slope. First it's that then there's custom avatars and and next thing you know it's 4chan-esqe anarchy.