Do we do it to protect ourselves financially from suspicious people? If a caregiver, shady sibling, etc. gets an elderly person to change a will, beneficiary, etc. and the elderly person doesn't realize the significance of what he/she is signing), would the person(s) whose money was "hijacked" have a good chance of recovering the money if the elderly person was NOT declared legally mentally incompetent at the time of the signing of the documents?