How is the rest of the world handling this problem?

My mom is unable to manage her finances these days, though I hope
she'll soon recover. In the meantime, I'm thinking of moving some of
her money partly because of the bank's policies and partly for another
reason, but here's the pickle -- I've learned that all banks want you
to fill out THEIR power of attorney form, which she can't.

I have to admit that I had a devil of a time with some IRS forms (RMD
panic) before this, and now, I just want to transfer all of her assets
to my name and call it an ersatz conservatorship. I would do the
"real" conservatorship, but the cheapest I've found is $2,000.

You don't have to get into Medicaid issues -- I don't like the idea of
Medicaid hospitals and shared rooms. I guess I'm asking if there is a
special tax form for this or ersatz conservatorship?