Thank you for your thoughts. Unfortunately, I don’t think it’s as straightforward as you suggest. Posts on here and discussions with friends in a similar situation and observations of the care that people do or don’t get when they are very frail support this. There is an international debate about what to do.
Practically for some of the concerns you list - I don't think paying care home bills will in the future will be a huge problem. There will probably be some kind of automated AI solution, and even now, you can pay a solicitor to oversee that for you, I believe. Advocacy is harder, but again there are services you can pay for.
Solicitirs cost a lot and most of us are going to struggle to pay care home fees. Solicitors will not arrange for people to come in and look after you or to take note of what maintenance your home needs, book the optician, notice that your hearing aide battery needs replacing and deal with all that.
I do have a little experience of solicitors looking after elderly people but this is where a trust was involved. They are professional people and need to pay their offices and staff and it takes a significant whack of fees to do. It’s not directly a legal matter if there is no trust to administer. The wills , trust and probate department of a solicitors would deal with sime aspects but not the day to day arrangements for care that we need. The days of the friendly local family Solicitor like you get an Agatha Christie novel simply aren’t here anymore.
There already is automatic payment of bills, but what you want to somebody checking these over and review the charges. If the charges change then you might want to renegotiate or decide what level of care you want. You’re going to have to ring up when the carer doesn’t arrive, or when they do arrive and don’t do a good job or when the other very ordinary matters of looking after a home arise. I know from direct experience in my family, that the frailer you are, the harder and harder it is to do the most ordinary things. Everything closes down and you do the absolute minimum, because you are tired, your body is stiff and basically you exist from hour to hour, except for booking and then waiting for the next Tesco delivery.
You say that “there are services you can pay for“. In fact there are none that will get to know you, oversee your home arrangements and advocate for you in a hospital or to the care home about the care that you’re receiving, all with your best interests at heart. There is nothing that can substitute for a partner or a child to keep an eagle and caring eye on what’s going on, to point out to the doctors that you haven’t received your medication or that the medical records are not correct.
There are lasting powers of attorney, but some of us don’t have anyone to put in this role. It simply is not feasible for most of us to pay to instruct a solicitor to do that role