They are required by law or by long-standing policy in a government-run body (which is practically the same thing). Laws DO change to keep up with the times, bu

They are required by law or by long-standing policy in a government-run body (which is practically the same thing). Laws DO change to keep up with the times, but they do so rather slowly. In 50 to 100 years, if there is continuous clear evidence that home assessments are highly unreliable and not particularly profitable to anyone, then you should expect them to be eliminated.