Why is a picture of Mohammad considered an insult in Islam, but saying his name isn't?

I had heard a long time ago that Muslims usually consider any drawing or depiction of Mohammad to be deeply insulting. From what I've read on here, Mohammad stated that Allah was the focus of Islam, and drawings of him (Mohammad) were a detraction from Allah and should therefore be avoided.

In Islam, Mohammad is a very popular name, and the religious prophet is even named and spoken of out loud in conversation and in writing.

Why is it ok to say the name, but not draw a character? What's the differentiation? By naming a person "Mohammad," isn't that also a detraction since it is focusing on The Prophet and not on Allah?
Why is a picture of Mohammad considered an insult in Islam, but saying his name isn't?
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