My MIL is a bit like this. My FIL now has dementia, bless him, and is in a lovely home.
But, for years she has let FIL do everything.
She could drive, she learned in her 40s, and loved the independence it gave her.
But, for the past 25 years, FIL has done all the driving, and now that she has to drive again, understandably, (at 80), it’s really tough for her. Motorway driving is a no-no, which is also understandable.
But my husband and siblings don’t help by still babying her, as though she couldn’t possibly (with practice, and some supervision) drive to Waitrose (up the road), or mow the very small lawn.
Poor FIL had been masking his dementia for a long time, we know that now, and had some fairly serious financial difficulties.
MIL was fully aware of this and just let it drift, until my husband accidentally found out what had happened.
They were still paying insurance for phones they no longer had, had 3 credit cards maxed out, and paying the minimum payment for each one. It just went on and on, the more my husband delved into it.
They were basically a gnats wing away from bankruptcy, and MIL still just let ‘Dad’ deal with it. My husband had to take ‘her’ credit card away, cos she treated it like free money, and just used it willy-nilly.
The credit card that she promised not to use anymore, since the other 3 were maxed out.
She knows how they work, she’s not a buffoon, but, yep, let ‘Dad’ sort it out.
There are absolutely no cognitive impairments for her. She’s as sharp as a tack, actually.