Take the verb cut and add -er, the ending that names the one who does it. What you get is a slot waiting to be filled: the cutter. It can be filled by a thing in your hand, by a person at a bench, or by something that cuts its way through water or air. Notice how the word almost never stands alone. Wire cutters, a pastry cutter, a diamond cutter, a coastguard cutter: a word in front nearly always tells you what is being cut, or where. Meet the word bare and your first job is to look at the words around it.
From the word’s history
Wiktionary gives Middle English cutter, cuttere, kutter, and by surface analysis cut + -er.
維基詞典把這個字追到中古英語的 cutter／cuttere／kutter，並指出從字面結構看就是 cut 加上 -er。這條線索直接對上今天的用法：不論指人、指工具還是指船，這個字說的都是「負責切的那一個」。
Wiktionary entry for 'cutter' (packet etymology_text: "From Middle English cutter, cuttere, kutter. By surface analysis, cut + -er.")
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