Password

WinSCP: 5.7
Win10
SCP
GUI used...no script

1. I run Welcome/Login screen
   
2. type in Host IP for Zorin 18.1 Linux OS
   
3. Choose SCP for Protocol
   
4. type in password – same used in Zorin OS
   
5. WinSCP shows Connection Refused.
   

The log shows "Access denied", not "Connection Refused".
So assuming that you are getting "Access denied": Can you login to the server using the same credentials from the same local machine using any other SSH/SFTP/SCP client? If you can, please post its log file too.

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See also: https://winscp.net/eng/docs/message_access_denied