Peter states to those whom he has already called ‘living stones’ that ‘to you, therefore, honour’ that is to say the ‘you’ whom he describes as ‘living stones’ have the ‘honour’ of being ‘built up an house spiritual’ and the honour of being ‘an holy priesthood’.
(The translation which states ‘to you therefore he is precious’ is highly debatable. τιμη is 32 times ‘honour’ in the KJV, 9 times ‘price/sum’ and only once ’precious’ - here. The ‘he is’ is in italics, being not in the Greek text.)
‘To you : the honour.
But to disobeying : . . . .’
Peter then quotes two texts to the ‘disobeying‘ ; Psalm 118:22 and Isaiah 8:14.
‘To disobeying “the stone which the builders disallowed, the same is made the head of the corner” ;
And “a stone of stumbling and a rock of offence”.
The first quotation mentions only, generically, ‘the builders refused’ ; the second goes further in detail and speaks of ‘both the houses of Israel’ and ‘the inhabitants of Jerusalem’.
The ‘he’ who is - to some - a ‘sanctuary’, and - to others - a ‘stone of stumbling and a rock of offence’ is the Lord of hosts, Isaiah 8:13.
Sanctify the LORD of hosts himself; and let him be your fear, and let him be your dread. And he shall be for a sanctuary; but for a stone of stumbling and for a rock of offence to both the houses of Israel, for a gin and for a snare to the inhabitants of Jerusalem. And many among them shall stumble, and fall, and be broken, and be snared, and be taken. - Isaiah 8:13-15
Therefore the stone to which Peter refers is a Divine Person. The Lord of hosts is a stone of stumbling, says Isaiah.
‘They’ . . . ‘stumble at the logos’ . . . . says Peter.
And we know, John 1:1 that ‘God was the logos’ ‘. . . in the beginning’.
And the logos was made flesh, John 1:14.
So the ‘they’ are they that stumble in regard to the One come in flesh.
‘They’ stumble (those that are previously designated, by Isaiah, as ‘both the houses of Israel’ and ‘the inhabitants of Jerusalem) because of their attitude towards the One come in flesh.
‘They’ neither received John the Baptist’s ministry - the baptism of repentance, by the ’messenger of preparation (see Malachi 1:1-3) - nor did they receive Jesus Christ - the ‘messenger of the covenant’ (ibid). Matthew 21:25.
Of Jesus, some of ‘them’ regarded him as the progeny of a supposed relationship involving a Samaritan, John 8:48, and they regarded him as having a demon. To which slanderous and outrageous lies, Jesus answered nothing.
‘They’ strove often with Jesus as to his origin. They sought to kill him when he spoke of his Father. They hated to hear of the relationship of Father and Son. ‘They’ picked up stones to stone him to death, John 8:59 and 10:31.
In the end, ‘they’ crucified the Lord of glory, 1 Corinthians 10:8.
‘They’ says Peter were ‘disobedient’. They did not obey Moses. Had they hearkened to Moses, Jesus pointed out, they would have believed on himself, John 5:46.
They obeyed neither Moses nor the prophets who prophesied of Messiah, nor did they obey John the Baptist.
Then they fell flat on their face when confronted with Jesus of Nazareth, born of a virgin, the Monogenes and the Prototokos.
Because of disobedient unbelief.
I am covering only the first question.
I think the second - the matter of ‘how’ they were appointed - should be a separate question, myself.