Money in savings

I am currently in receipt of ESA and PIP. I have EUPD, anxiety and depression with agoraphobia. I also have osteoarthritis, chronic migraine, heart issues and reduced mobility due to injury.
I rarely leave the home and haven't been able to go out without another person for over 20 years.
I constantly panic about things breaking down and needing to be replaced, plus the usual cost of living, rent etc. I was awarded a very large amount of back pay in 2018 due to DWP incompetence. I have managed to save some of this so that I have a safety net in case of emergencies.
Currently, my rent is paid directly to my landlord. This means that I have been able to add little amounts to my savings over the years without running foul of the limits put on us for savings. However, I have recently received a migration notice to move to UC. My money, if indeed I am successful in my claim, will be paid monthly and will include my rent. Because of this being a much higher amount than usual, it means that I could go over my limit and be subject to investigation by the DWP.
I would like to stress that I am not living a life of luxury with more money than I should have..... I just live in a constant state of panic, paranoia and fear about losing my home. I have a private landlord who can increase my rent whenever he wants, by as much as he wants. And obviously fuel bills and the cost of living just keep on rising. I have been homeless in my teens and in my forties. I am terrified of it happening again and therefore I save everything I can. I don't drink, smoke, go anywhere, get my hair and nails done or buy lots of clothes etc. My life is confined almost totally to my one bedroomed flat with my two cats for company. I can't handle the thought of being evicted in my sixties. I am at present waiting for results to see if my renal cancer has spread and with the UC claim and impending loss of benefits hanging over me also, I have started to self harm again. I find myself once again under the mental health team and having safeguarding put in place.
I do consider myself to be very lucky to be surviving on the money that I receive, and obviously have savings to fall back on. But if I lose PIP and am on UC frozen for the next five years, I will go through everything very quickly and be at risk of eviction. I have gone without things to try to safeguard my future a little bit. How fair is it that I will have to lose most of my safety net because the DWP are going to be paying me differently from now on. I budget very carefully and responsibly every fortnight when I get paid. I know exactly how much I will need to put by each week in order to pay my various bills.
Is it unreasonable to think that I shouldn't be penalised for keeping by some money that they underpaid me in the first place? Why can't we do the same things with our money as working people? I wouldn't get punished if I started smoking and drinking the money away, or spent it on things I don't need. Why should I have my account scrutinised because they insist on paying rent money into it, instead of directly to my landlord. It's worked perfectly well for the thirteen years I have lived here and has to be more practical.
Isn't it about time disabled people were given enough money to live with dignity and to save with dignity for a future in which pensions are less and less likely to cover our cost of living. We are not asking to be rich. Just to have the same rights as working people to decide how we spend, or save, for whatever else life is going to throw at us.