Gossip does it like that actually. If a followed person doesn't have a relay list, and we have no data about what relays would be appropriate, then it reads from a user-configured set of READ relays. These may or may not be exactly equal to the user-configured set of INBOX relays published in kind-10002 NIP-65 event.
It has to do this because so many clients use centralized relays. So if I want to follow those people I have to add things like relay.damus.io as a personal READ relay or else I'll miss out on those people's events.