If my Mother passes away and has me named on her savinsg, checking, life insurance and her home, do I need to have Durable Power of Attorney?

DPOA for Health Care Confusion
I compared Durable Power of Attorney for Health Care
samples on this website and many others as well as software. They vary considerably. I want one that covers everything. I called a lawyer. He told me I could get one for $50.00 that essentially allows medical decisions and pulling the plug. However, I mentioned I would like clauses(as seen in samples)for authority to sign documents to receive medical records, sign releases, fire/hire physicians, admitting, transfering, discharging from hospital. I was told I need a more than a DPOA for HC for that and would cost around $400.00. Why is it that the samples documents(that can be purchased)contain these clauses but when I check into getting one locally they are not included? How does one know what they are getting? I’d purchase and download one of the documents online but I don’t have anyone that I can use as the 2 witnesses that are required. Really, I don’t hardly know anyone. I am a bit of a recluse. Can I hire a witness? I seeking to get a DPOA for HC for myself and another individual.

father is incpacitated, mother is not on any of his accounts
Father is incapacitated due to a motorcycle accident he has a closed head injury. My mother is not listed on his bank account whatsoever, no one is on the account with him, can she take her marriage certificate to the bank or will guardianship papers need to be filed, he has no durable power of attorney to our knowledge. He totally supports her financially and pays bills that are in her name. My father’s bank account was frozen by the bank due to a family member’s well intentioned attempt to go to the bank and try to get his PIN number. My father is not currently able to make decisions for himself. Right now, my sister is trying to handle his affairs, I am trying to get information that could help, thank you. We have no real idea how long my father will be incpacitated.