Yes, thanks, I think I've already got the message on what you think of people who aren't as clever/confident with banking as you.
That depends on how you define "bank account". The winter fuel payment
- like the State Pension - can be paid into a Post Office Card Account. As I indicated above that is not an account which can be used for DDs (or SOs). It also cannot accept credits other than pensions/benefits. So it can't be used to manage utilities in the way you seem still to envisage.
Successive governments have encouraged those who can to open bank accounts but 2 years ago there were still some 2.5 million holders of PO Card Accounts. If you have some way to get that number down the government would very much like to know as the PO Card Account ain't cheap. But I suggest if you don't know any such people you get out and meet some first.