You got it: the name is just a proxy for the type of upbringing the kid will receive. It's not the name that dooms the kid, per se. It's that the name reflects that the kid has dumb parents and probably wasn't brought up wisely.
And then every so often you get the exception that proves the rule...I had to check up on somebody's car insurance once, phoned the office that they had listed, and was greeted with a perfect, polished, not-a-hint-of-Ebonics "Thank you for calling Allstate. This is Shaniquia, may I help you?"