Crossword Genius

Benefactor guards infected tot with itchy bottom? (5,5)

Ross

I believe the answer is:

sugar daddy

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

'benefactor' is the definition.
The answer and definition can be both people as well as being singular nouns.
Perhaps you can see an association between them that I can't see?

'guards infected tot with itchy bottom?' is the wordplay.
I cannot quite see how this works, but
an anagram of 'guards' is 'sugard' which is present in the answer.
'tot' could be 'add' (synonyms) and 'add' is present in the answer.
A single letter 'y' remains which might be clued in a way I don't see.
This explanation may well be incorrect...

Can you help me to learn more?

(Other definitions for sugar daddy that I've seen before include "Sponsor" , "Wealthy older man spending freely on a younger woman" , "Rich man with a much younger partner" , "(Sweet) older lover?" , "munificent elder" .)

I've seen this clue in the Sydney Morning Herald.
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