so it’s not being used to put down deposits on next years cruise

That's not what this is preventing. You made this up.

This is simple austerity, which is a punishment for poor people. Kier's openly pro-rich, pro-corporation. If you (or he) were so worried about rich people having too much money, you would support the suggestion in the article: a wealth tax. But you don't actually want that. It's okay to want poor people to suffer. Just admit you want austerity, like Kier has. It's a very accepted political position, the biggest parties agree. You don't have to hide it.