Someone needs to pay the rent or the mortgage.
But that someone can't access your bank account because it is a separate account.
The answer is to appoint someone - your spouse or someone else - to hold a "power of attorney" for you. That document will give you the person you appoint the power to do whatever you could do by your signature.
Think of it like insurance. Something you hope never to need...but are really up the creek if you don't have it when you need it.
Read this explanation.