'credit-dependent' originates from the combination of 'credit' and 'dependent', where 'credit' refers to the ability to obtain goods or services before payment, and 'dependent' means relying on something else for support.

'credit' comes from the Latin word 'creditum', meaning 'a loan', and 'dependent' comes from the Latin 'dependere', meaning 'to hang down from'.

Initially, 'credit' referred to trust in financial transactions, and 'dependent' meant relying on something. Together, they evolved to describe reliance on credit for financial stability.