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Finna is more a matter of lazy speaking. It's not unique to a particular cultural.I just looked it up on phone. It's from the hiphop culture.
Who told you it was rural?
Rural dwellers have lazy tongues; New Yorkers have lazy tongues and so do Southerners.
It's easy to "blame" hiphop culture for words spoken with a lazy tongue. And it's just as easy to look at language usage of a particular people group and assume that a particular word comes from them.
But I've heard "finna" from Southerners long before it became a part of the lexicon of hiphop. And "yall" is another perfect example of Southerners truncating syllables to make up a word. It's the same as "finna." It's all part of colloquialism developed via lazy tongues and fast speaking.