"Incapacitated person" means:
(1) a minor;
(2) an adult who, because of a physical or mental condition, is substantially unable to:
(A) provide food, clothing, or shelter for himself or herself;
(B) care for the person's own physical health; or
(C) manage the person's own financial affairs; or
(3) a person who must have a guardian appointed for the person to receive funds due the person from a governmental source.