When I taught in Alaska, I had a student whose last name was D-i-c-k, a somewhat common name there. You'll NEVER guess, not in a million years, what his father's name was.
Darn, you got it.
Richard, usually called D-i-c-k. Of course that made him D-i-c-k D-i-c-k. I was very young at the time, and worked to keep from laughing when I spoke to him or his wife, Mrs. D-i-c-k. FWIW, they were very nice people.
I agree with the removal of censoring for anything except that which is used to insult or offend. And even that can be handled as someone suggested: warning, then blocking the person. A day or two ago, I suggested someone google "tenant from h-e-l-l" and that got changed to heck. IMHO, That shouldn't have happened.