Is there a difference between a 'deposit' and 'savings'? In the UK interest on savings is (mostly) taxed at your marginal income tax rate so poorer people pay less or none at all on small amounts of savings. Is DIRT at a fixed rate designed to discourage all savings?

(UK Winter fuel payments are not being eliminated, btw. Recipients of pension credit will continue to get it, so it is being means-tested. The losers are not the poorest but the ones slightly better off, or who don't apply for benefits - which they should.)