An open invitation to fraud.
I read the document. I have to laugh. You know how many supervisors have lost their licenses or received heavy handed treatment for not supervising trainees on inspection? Now you are saying inspection is not really that important as long as the appraiser "believes" it is reliable. Your proposal is even worse, when you hear stories about the types of people doing inspections. We know. No license, no training, minimal intelligence. Heck, it is a publicly documented fact that termite inspectors very often have criminal records - and the State of California usually has on the order of 50-100+ board actions against termite inspectors every year (2017 was about 100). You can read these and get an idea. A lot of these people are involved with low level crime, fake car crashes for defrauding insurance companies in widespread gangs, theft from McDonalds of $10K, on and on.
Hybrid and bifurcated appraisals are an open invitation to corruption. Are they going to add training and licensing for inspectors? - Well then, they might as well have appraisers do the job - and do it better!