MetaMask does host a pre-synced blockchain cluster by default, and does its best to keep it online at all times, but it can easily be changed via the provider menu in the top left of the metamask popup.
If you'd rather use your local json-rpc node, just point MetaMask at its address.
From a security perspective, this allows you to run MetaMask as decentralized as Mist, by pointing it at your local RPC. This will allow you to develop a Dapp that is both Mist and Metamask compatible, and your users will be able to define their own blockchain connections according to their needs.
Best Answer
First thing you need to know there is no name in accounts at ethereum. You can only access the address on ethereum, which is a 20 bytes string.