The most widely effective solvent for organisms is a material that is

polar

Explanation:

The basic characteristics of any solvent is to be able to dissolve all sort of molecules or substance in it. Thus polarity is an important characteristics of solvents

For all living organism water is the most specific form of solvent. Water being polar is able to form electrostatic interactions with other polar molecules and ions. The positive ions/molecules get attracted to either the  partially positive or partially negative ends of water based on their own charge

Thus, polarity is an essential trait of any effective solvent.

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