The Crossword Centre Clue-Writing Competition

CCCWC July competition voters’ comments
 
Clue no. 20: Formby's capital instrument here? Feel jubilant, 'happy-go-lucky' when it is plucked

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A clue to BANJULELE.
2 comments refer to this clue (from 1 competitor, 1 other)

Here is the text

Comments on the clue
1.The definition and wordplay are muddled, but it's not & lit.
2.Don't understand how the wordplay works