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No, a person acting under a power of attorney is just the agent of the grantor of that POA. That means that they are just acting on behalf of the grantor. Since they are just an agent, they do not assume any legal liability for the grantor's debts when they pass. The creditors can only look to the estate of the deceased for payment.
No, once she passed, you would instantly become the sole owner of that account and any fund in it. It wouldn't be considered part of her estate and subject to her creditors.