Actually, there is a case of this in China where (previously) both Unicode and the Chinese standard (GBK) was unable to encode Ma Cheng's (马𩧢) name. If you have Android, you might even see this in action (since that Noto still does not encode this one).
Currently, the solution going forward is to restrict what characters are acceptable as names.
Currently, the solution going forward is to restrict what characters are acceptable as names.