FWIW, I've found TODO(person) to generally be useless. Either they're TODOs to myself because I was too lazy to file a bug, or they're for someone else and I ignore them. The intent of using them to ask someone about a TODO they wrote is rare, in my experience.
If we want to get ambitious, one clever bit of automation: Rather than a blocking or submit, automatically replace non-conforming TODOs with a new bug. That lowers the friction, but I'm not sure I'd love the spamminess.
(Maybe AI can take a first stab at finding a relevant bug. 🙃)