Crossword Genius

Pile of cash the queen's protection against a rainy day? (6)

Ross

I believe the answer is:

waders

I'm a little stuck...
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Here is my best explanation:

'protection against a rainy day?' is the definition.
I can't tell whether this definition defines the answer.

'pile of cash the queen's' is the wordplay.
'pile of cash' becomes 'wad'.
'the queen's' becomes 'ers' (Elizabeth Regina).
'wad'+'ers'='WADERS'

Ross

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This clue was last seen in The Independent

(Other definitions for waders that I've seen before include "Waterproof boots - shorebirds", "something worn by fishermen", "snipe, for instance", "Water birds", "Waterproof hip boots for anglers", "waterbirds?", "High boots for fishing", "Extended wellies", "Birds - boots" and "Snipes maybe".)

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