I agree with this assessment completely.  This was an original design flaw that has now been duplicated by other software suppliers in order to work with quick books.

No one uses Name as a unique identifier - You can't even post here without a unique identifier (Email, username, password). Imagine going into the post office or the DMV or the phone co. or anywhere and saying, "Hello my name is John Doe could you look up my account for me"? Just think about this for a minute. Do you think you would get your mail if just your name was on the envelope? How about your paycheck that is direct deposited in your account? would you get it if you told your employer just deposit it in the account "John Doe at Bank of America"? How many John Smiths or Jose Gonzales do you think there are?