Crossword Genius

It's subject to a high rate of inflation (3,3)


I believe the answer is:

air bag

I'm a little stuck... Click here to teach me more about this clue!

'it's' is the definition.
I can't tell whether this defines the answer.

'subject to a high rate of inflation' is the wordplay.
'subject' becomes 'AI' (AI is an example).
'to a high' suggests taking the first letters (I've seen 'highest of' mean this (top letter - down clues only)).
'of inflation' becomes 'bag' (I can't justify this - if you can you should give a lot more credence to this answer).
The initial letter of 'rate' is 'r'.
'ai'+'r'+'bag'='AIR BAG'

Can you help me to learn more?

(Other definitions for air bag that I've seen before include "Rapidly-inflating car safety device" , "Inflatable safety device in car" , "A safety restraint in a car" , "Safety device in a motor car" , "Car safety cushion" .)

I've seen this clue in the Evening Standard.
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