Test names should be sentences: https://bitfieldconsulting.com/posts/test-names
Your test description/documentation should be sentences, but there is absolutely zero reason to try to encode that into the name of your test function. Not to mention this article then suggests using another tool to decode this function name into a proper sentence for reporting... ok now you completely lost the ability to ctrl+f and jump to the function... terrible advice all around.
Why not just use a testing framework that actually supports free-form sentence descriptions/documentation for your tests?
> It doesn't bother me all that much to have test functions with names like `test_transaction_fails_if_insufficient_funds_are_available()
I mean, that's one example where you have one outcome based on one parameter/state. Expand this to a 2-field outcome based on 3 state conditions/parameters and now you have a 100-character long function name.
No, I'm focusing on the most realistic and common ways this kind of pattern actually exists (based on my experience).
> If you name tests according to business domain concepts rather than tying it to individual parameters through some formulaic rubric,
While you say I'm focusing on 'the most obtuse possible way...', this kind of comment makes it seem like you haven't focused on any actual way at all. You're speaking in very ambiguous and vague terms, which actually can't be applied and enforced in practice. If you're actually trying to write a suite of unit tests around, say a function, with 3 parameters and multiple possible outcome states - you can't name your function the same for the different combinations of inputs/outputs, and you can't just handwave a 'business domain concepts' name into existence to cover each case - that just turns into an exercise of finding synonyms, abbreviations, and vague generalizations - it doesn't solve the fact that you still need all of the same test cases and they all still need to have unique function names.
You haven't actually thought through what you're proposing here.
I've worked at companies that required this style naming for tests and it was an unholy mess, and it only works if the unit test is small enough that the name is still a reasonable length which at that point the code should be clear enough to understand what is being tested anyway.
The point I'm making (and I think you are agreeing with me) is that trying to stuff a test description into a test function name is cumbersome and pointless. There are far better ways of adding descriptions/documentation for unit tests and pretty much every major language/testing framework supports these, nowadays.