A hotel would probably be cheaper than some assisted living although the hotel might object to having the liability. My preferred solution to give people as much independence as possible and try to gain even more, regardless of the cost. The money can run out however, and then you are shipped to a Medicaid approved old people's warehouse.
That’s medicare-approved, not medicaid approved. But both of those systems are approaching equal levels of badness.
She can do the meds herself but her attitude is” I don’t feel like taking them today”. She’s in denial that she’s 95 and needs help. Add to all of this is that she’s not the most cuddly, warm person on the planet. She goes out of her way to make all of us feel guilty and adds nastiness on top.