Polycarp:
A clipping or splinter needs to be distinguished from a compounding (borrowed) word. -phobia is an English suffix becaus it was borrowed from the Greco-Roman word phobia mneanminmg fear or revilion. Coinages with it follow traditional English rules for borrowing Latin and/or Greekl nouns and c comppounmdinmg them to form appelationms for new concepts.
A true swplinter detaches sylklables which previously hd no indpendent existence to create a termn for a new concept in somne way related conceptually to the source word, such as anceathonm from Marathon, where *athon , which had no previous indepenmdent edxistence, takles on the3 mneanminmg of, mnore or les, feat of enmdurance.
I don’t really get the grammatical histories you’ve placed here, but I think I can sense them. Can you tell me about the “mn?” I see it constantly in the Wake.