Crossword Genius

Question why terribly late coming in - and loaded (7)

Ross

I believe the answer is:

wealthy

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

'loaded' is the definition.
(I know that loaded can be written as wealthy)

'question why terribly late coming in' is the wordplay.
I cannot really see how this works, but
'why' could be 'y' and 'y' is found in the answer.
an anagram of 'late' is 'ealt' which is located in the answer.
This may be the basis of the clue (or it may be nonsense).

'and' acts as a link.

Can you help me to learn more?

(Other definitions for wealthy that I've seen before include "Affluent" , "Rich and prosperous" .)

I've seen this clue in the Evening Standard.
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