Why you should consider making a Financial Lasting Power of Attorney
It would not be possible to sell (or let) your home whether it is in your sole name or in joint names with your husband or wife.
If your bank knows you have lost capacity, it will freeze an account in your sole name and even a joint account in the names of yourself and your husband or wife
No one would have the legal authority to deal with state benefits, pensions, tax issues, or utility providers, on your behalf.
It could be many months (after an application to the Court of Protection) before your family could access funds to pay bills or nursing home fees, which can cause distress and embarrassment.