I have no Power of attorney. How will this impact me and my dad. He can be very stubborn

[mumma24]

My dad is 85
lives alone, happy that way and not lonely.
he is very stubborn.
health not great, swollen red legs, breathless, can’t walk without his zimmer. Flat bound. Never goes out and doesn’t want to either.
Has no friends. Fell out with his only friend 10 weeks ago that used to visit daily. Doesn’t want to make up with him.
he owns his flat. Has some savings.
I visit every week and do his food shop.
after watching the Martin Lewis programme on the importance of having power of attorney I have spoken to him about this. He doesn’t think it’s necessary.
my question is what would happen if he lost capacity for example had a stroke or fall went to hospital or care home. How would I sell his flat to pay for his care or pay his bills etc.
Anyone managed ok without having POA?

Without LPA you will have a horrible time trying to help him but that doesn't mean the state will step up. His bank wont speak to you and you won't be able to sell his house unless you apply for guardianship' which can take a year to come through. He must think he is invincible but he isn't. My niece who is a solicitor working for clients in this kind of situation took out lpa for herself at 35!