Which term describes someone who is ineffective or unreliable?

The term "feckless" is appropriately defined as someone who is ineffective or unreliable. It conveys a lack of initiative, competence, or effectiveness in handling responsibilities or tasks. This descriptor often refers to individuals who fail to meet expectations or perform duties successfully, highlighting their inadequacies in a given situation.

In contrast, the other choices—competent, dependable, and resourceful—convey positive attributes. "Competent" refers to someone who possesses the necessary skills and abilities to perform tasks effectively. "Dependable" indicates that a person can be relied upon and is trustworthy in fulfilling obligations. "Resourceful" describes an individual who is able to find quick and clever ways to overcome difficulties. Thus, these terms do not align with the meaning of being ineffective or unreliable, further reinforcing why "feckless" is the most suitable choice for this context.