The term 'is saddled with' means to be burdened or encumbered with something, usually a responsibility or obligation. It is often used in the context of a person being given a task or job that they must complete, even though it may be difficult or unpleasant. In this case, the crossword solutions for the term are HAS, which is a three-letter verb meaning to possess or own something. This phrase can be used to describe someone who has been given a task or job that they must complete, even though it may be difficult or unpleasant.