The word 奶油 is formed by directly combining two basic, concrete concepts: 奶 (nǎi), meaning "milk", and 油 (yóu), meaning "oil" or "fat". It is a purely logical and descriptive compound where the first character identifies the source substance (milk) and the second character describes its physical property or extracted essence (a fatty, oily component). The mind naturally reads it as "the fatty/oily part from milk", creating an immediate, tangible image of the rich, buttery substance we know as cream or butter.