If you’ve never seen anybody use the word, just wait. It’ll happen eventually.

Someone in your local-level politics (a city councilman, someone on a university board, etc) or your place of employment will whip that word out, and facepalming will ensue.

It’ll be a white guy in his fifties. He’ll say that shit in a public setting. People will be like “WTF, man.” And then he’ll be like “ACKSHUALLY, Niggardly (noun: niggard) is an adjective meaning ‘stingy’ or ‘miserly’. Niggard (14th C) is derived from the Middle English word meaning ‘stingy,’ nigon, which is probably derived from two other words also meaning ‘stingy,’ namely, Old Norse hnǫggr and Old English hnēaw.”

And he will be genuinely surprised when people don’t treat him as a hero.