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Meh, it comes up more often than you think. There’s a whole Wikipedia page about it’s “controversial” use even. I doubt it’s as unknown to the general populous as you think.
https://en.m.wikipedia.org/wiki/Controversies_about_the_word_niggardly
I knew the word but didn’t know what it meant until I looked it up after seeing this. I think I assumed it had something to do with the word we’re all skirting around (makes me sound like I have to try to not say it - ugh) but it’s from the middle ages and means “stingy”, if anyone wants to know.