Wastewater and toilet paper. That is the short version. Solids settle to the bottom as
sludge, grease and light material float to the top as scum, and the relatively clear liquid
in between moves on to the drainfield to filter through the ground.
That arrangement works for years on end as long as two things hold: the bacteria in the tank
stay alive, and the sludge layer gets removed before it is deep enough for solids to carry
through with the liquid. Everything on the list above interferes with one or the other.
The second one is the reason for
pumping on a schedule
— every three to five years for most households. Nothing you flush or avoid flushing
removes the need for it.