I see plenty of dumb names on PS accounts and many I just scratch my head at and wonder what were they thinking when they took this name.
So yes, there are some really stupid people, but I'd venture to guess a lot of the what I'd call inappropriate names are from kids who don't have the sense to know any better.
Having said all of this, I'm sorry, but I find it really wrong for PSN to give someone an outright ban, without first notifying a person that they need to change your name due to it's offensive nature. A 72 hrs hour noticication should be sufficiant.
I also wonder who acts on any actual complaints, as it seems rather arbitrary what is or isn't offensive, much like the Ninja Justice that is handed down on this forum.
English
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You can't change your name on PSN. They say they don't have the infrastructure. People have been begging for it for years now.
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You can in rare cases. I actually have a friend that was allowed to change his after he was reported.
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They take all your trophies and your friends list. It is a broken thing that is really just letting you access the stuff you bought on a new account
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That's a hell of a lot better than losing all the money spent on a psn account. Friends aren't hard to come by and trophies don't matter that much for some.
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That is not changing your name though.
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its better then nothing at all