I slightly agree with you Lacey, but as an instructor or SUP business owner you don't really make money the people that really make the money are the guys mass producing the boards and paddles.
You have to just love teaching people to get anything out of being an instructor, I wouldn't be relying on a surf/sup qual to make a living as its very seasonal, unless you work for the government

teaching people/kids how to surf and sup.
The options are if you want to be an instructor, pay for both or choose one, look at the RPL process if you have the skills to back it up and always search for other training providers that may offer a cert III and IV in outdoor rec (surfing and sup) as this is the highest qual you can get recoginsed VET.