No suggestion that involves a committee can ever be perfect. But it stands to reason that you are more likely to get moderators that are working together if you give them the opportunity to talk to each other, rather than allow them to work entirely individually (and anonymous even to each other, to an extent), albeit with some single source of oversight. Sure, my suggestion is vulnerable to the inevitable office politics -- that, for example, might come when veteran mods and newer ones disagree on some finer point of judgement -- but I can't see it worsening the problem, especially when one of the chief complaints seems to be about individual mods overstepping their authority. It should be stressed that this is almost invariably a flawed perception, but, still -- it can hardly hurt to reduce the impression that individual mods are acting alone, by ensuring that instead they are able to work together.
As to "Answerbank" v. "Expertbank", well, it's just a matter of common sense. The point is merely that, the more specific a question is, the more relevant the answer should be. As a more mundane example, questions about crossword clues tend to invite only answers that solve that specific clue. While I'm certainly not advocating aggressive moderation to enforce this, it's also notable that the community here tends to "self-enforce" that anyway. People who don't know the answer don't post, and when a correct answer has been given it tends to end the discussion right there.
Again, going back to the law example, I think the original question was,
// Is it acceptable to call a child by [their] hair colour? //
While a later comment by OP linked it to the possibility of racially-motivated bullying, and mentioned an explicit incident and an upset child, it seems clear that they were not asking for legal advice, nor seeking a legal solution. At most it looks like maybe they'd raise a complaint with the school. That therefore would seem to suggest that it's a more general discussion, rather than one requiring a technical answer with reference to whatever specific legislation is relevant; in which case, anything that serves to muddy the waters about the legal question, or doesn't directly address it, would indeed clearly be distracting. Similar principles would naturally extend to any other specialist topic, whereby it's worth at least giving some thought yourself as to whether you have anything useful to say.