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Your mother chose your sister for whatever reason.
Now that your mother has dementia, she can no longer change her POA, fire her POA or get another.
Moreover YOU have no right to EVER question the POA. Not EVER. You have no right to be informed of anything financial whatsoever. Not ever. This is private information that your mom's POA holds with the same privacy that your own mother could have when she was able.
You are interferring.
Your mother is in care and doesn't like it. Few do like it. You are playing into her despair by supporting any supposition that she can leave care.
I have no use for siblings who war over the body of a still living elder instead of supporting one another and the elder. You need to educate yourself on POA. I am thankful you have no funds for an attorney because this would cost, in a fight, way over 10,000 and you would LOSE.
If you have any proof (PROOF) that your sister is not acting in your mother's best interests then speak with APS. I think you will find reassuring their counsel that you drop all of this. I hope you will change your ways and support your Sis and your Mom.
If you really want to help and support your mother you will help and support HER and your SISTER to the best of your ability, you will be cooperative and polite.
I, like your sister, would not want you to see the mother as long as you are holding these delusions of grandeur that you are in charge of anything here. The fact that a Social Worker has no support for you, should inform you.
If you have proof that your sister is financially abusing your Mother, then you take that hard evidence to a lawyer to see if you have a case. You probably don't. If your Mom has dementia then the things she says may not be accurate. People in facilities -- even really nice ones -- usually don't like it. If your Mom has depression and anxiety but is not on any meds for that, all the more she may not be giving you an accurate assessment.
People with dementia can have paranoia. I'm my Mom's PoA (she lives next door to me and I provide all her care and management). Yet she due to her increasing dementia has begun to occasionally accuse me of "taking her money" and trying to "put her away in a home". None of this is true and is based on literally nothing.
So, maybe your sister is weary of caring for an unappreciative Mom and now has a brother who also is not understanding what her role is and continues to be and is instead suspecting her for no reason.
Guardianship is your only other pathway to take over your Mom's care.