Moss and splits in bark on Maple trees

[chzuck]

Is moss growing on maple tree bark detrimental to the tree? Is there anything to do for it. Would spraying Wet it Forget it harm the tree? What causes the splits in the bark? I am thinking these two trees are about at the end of their life and may need to be removed. Photos attached.

 

[BC WetCoast]

It looks like algae and lichens rather than moss. Depends on the site, usually a function of higher humidity. Not a concern.
Tough to tell you anything about the cracks. Could just be bark getting older. As the tree increases in diameter, the bark doesn't expand so will develop cracks, again just a function of tree age. However, there could be something else going on that isn't visible in the pictures.
Just my impression from the bark is that it appears relatively smooth and rather young. Show us more pics of the entire tree and we can give better opinions.

 

[chzuck]

Here is a photo of both maples.