If a condo has a PFP and needs gfci’s installed in the 2/2 / two in the kitchen and one in each of the two bathrooms does the homeowner have to replace the panel? What is the best solution with safety first when economics matter?
The best solution for who?? As an Inspector report what you see. How it gets corrected is not in your scope.
The two locations mentioned should be protected by GFCI of some sort.
Federal Pacific panels have a contentious reputation for being defective. Whether this reputation is deserved is moot, at the very least you should make the client aware of the panel.