As it stands, 'user name' is just an arbitrary string. Most people don't use their name and many people may choose the same name, but fold for different teams. There are then those people who fold under multiple user names.
It could conceivably be an improvement to the system where there is more of a registration process, where a user name (and passkey) is tied to a real person. Indeed, an individual could have more than one name / passkey combinations and see all points credited to themselves. However, after 10 plus years of the current system, I don't expect to see changes any time soon.