It is very easy to get a POA when both parties agree. I have had one for my husband off and on for over 10 years. He travels a lot for work and so I need one to take care of anything that isn’t in my name. I’ve bought and sold cars, sold a house, etc with POAs. You don’t have to be declared incompetent to have a POA. They are actually extremely common in certain circles (people taking care of aging parents, military, etc).