'debt-accumulation' originates from the combination of 'debt' and 'accumulation', where 'debt' meant 'something owed' and 'accumulation' meant 'the process of gathering or amassing'.

'debt' changed from the Old English word 'dette' and 'accumulation' from the Latin word 'accumulatio', eventually forming the modern English term 'debt-accumulation'.

Initially, it meant 'the gathering of financial obligations', but over time it evolved into its current meaning of 'the process of building up debt'.