Government and official terms create impersonation liability. Usernames like fbi, cia, police, federal, government, and official suggest authority. In some jurisdictions, impersonating government entities is criminal. Reserve these terms and implement verification for legitimate government use.
Financial services terms attract fraud. Bank, banking, payment, wallet, crypto, and trading are magnets for scammers. Platforms in regulated industries (fintech, trading) may have compliance requirements around these terms. Even non-financial platforms should reserve them to prevent user confusion.
Healthcare and medical terms raise similar concerns. Doctor, medical, health, pharmacy, and clinical suggest professional credentials. Depending on your jurisdiction, allowing users to claim medical authority without verification could expose you to liability.
Legal and professional terms like lawyer, attorney, accountant, and cpa carry credentialing implications. Professional licensing boards take impersonation seriously. Reserve these terms or require professional verification before allowing them.