I don't mean reporting all the names, but for example if you ever transmit payments there is a KYC process, and if you are a bank you must report any suspicious

I don't mean reporting all the names, but for example if you ever transmit payments there is a KYC process, and if you are a bank you must report any suspicious money laundering activity. At the end of the day there are cultural conventions around names, and various agencies use them. I don't see why software should be explicitly culturally neutral, unless your audience is explicitly a global one (and even then, I think localization is preferable to just sticking names into a single field).