If you were to suddenly lose mental capacity what would happen to your bills, who could operate your bank account? Possibly no body if you have not made a valid enduring power of attorney appointment. Having an attorney can save your family from disputes (spouses and parents and children often fight over who will get control), it can save you and your family tax, and it can make things go smoothly. Check with a solicitor in the State in which you live. In NSW there are 2 types, a normal attorney appointment which does not survive incapacity and an enduring power of attorney which does.