The point is we wouldn’t know if there had been a problem would we, because it’s all left to the monarch’s discretion when to seek help and Buckingham Palace is in charge of how much the public know?
As a constitutional expert in this article states, the rules are quite loose and everything is left for the monarch to decide.
https://www.cbc.ca/news/world/king-charles-cancer-what-happens-if-king-cannot-perform-duties-1.7105402
Boris Johnson PM was ill from Covid when the Queen was suffering from an undisclosed illness. So a serious situation is not out of the bounds of reality!
Wasn’t there an issue depicted in The Crown in the early sixties when the Queen was on holiday and Macmillan the PM resigned because of ill health, the government was shaken by the Profumo affair and she returned to a constitutional crisis? How much of the behind the scenes unrest was the public aware of at the time?
And although the role of Counsel of State is no longer open to Andrew since he is no longer a working role, he did have the potential to inhabit the role at one point, and technically speaking, he still holds the title, as does Harry!
Surely, if anyone bothers to respond to anything revealed in the Lownie book, it is that Andrew should have that title removed?
In theory, it’s all very well leaving these aspects of rule to the discretion of the incumbent monarchy without much transparency or consultation, when we can trust them to act in the interests of the people.
But what if that was no longer the case? Would we know? How would we know? They haven’t done a very good job of regulating the proprietary of their own finances if you ask me! And neither the late Queen or Charles seem remotely bothered that Prince Andrew has potentially broken laws against fraud and corruption while acting in an official role. It begs the question, what else can’t we trust them about?
If we had an elected head of state none of this would be left to the discretion of a monarch already incumbent with wealth and influence and a ring of privacy around them.