Great question and I think could have a lot of discussion :)
I agree completely that it could seem clique-y or intimidating to just have constant name dropping. I think assuming the "asker" knows a person, or is comfortable reaching out to that person for more info, is bad practice in that it does not promote accessibility and equity.
I think the easiest approach to counter act this is to keep answers professional and accessible when talking about a person directly in an answer - point directly to a collection of manuscripts, a book chapter, a lab website, any "standing" resource that shows that persons expertise in the area of the question and actually provides the resources the asker needs (and any future person coming to ask the same question!). This will provide so much more back to the community than just a "hey check out so-and-so's papers". While that type of answer can definitely get someone on the right track, but I don't think that fits what constitutes a "good" answer by SE standards and IMO pointing to the correct resources provides the better content that @WMXZ mentions.
I see another potential issue and I think @WMXZ sort of addressed this in his answer - we don't want to assume that someone is ok with having their name or information shared on a public platform like this. I think what he outlined is great - ok to say their name if their username is obvious and they've made it clear who they were previously, but if your colleague isn't on here yet (First...why not!? :) then you would want to be sure to be careful about privacy, etc. I would guess that many academic/published researchers are likely ok with having their papers shared, but we just want to be cognizant of people's personal comfort levels.