The quick answer: a medical power of attorney gives someone authority to make healthcare decisions for another person, while a financial power of attorney gives someone authority to manage that person's money and property. They are two separate legal documents, and one does not substitute for the other.
It starts with a simple Google search: "home care hourly rates near Gambrills, MD." You find a number, maybe $27 or $28 an hour, and you think, That's doable. A few hours a day, and Mom can stay right where she is. Compared to the monthly cost of assisted living, the math seems clear.
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Your mom gets a text message saying her bank account has been compromised. Your dad gets a call from someone claiming to be a grandchild in trouble. A neighbor in Gambrills receives an email about an unclaimed prize. Each scenario looks different on the surface, but underneath, they share the same anatomy: pressure, emotion, and a demand to act before you can think.