立て替える
たてかえる · tatekaeru · JLPT N1 · verb-ichidan
to pay for another
立 — person standing on ground (大 over 一)
Pictograph of a person standing with arms outstretched on the ground line below. The original oracle bone form clearly shows a frontal human figure planted on the earth. The core meaning 'to stand' extended to 'establish, set up, erect.'
替 — two 夫 (man) over 曰 (say)
Originally written with two 立 (stand) over 白, depicting two people side by side, suggesting replacement or alternation. The form evolved to two 夫 over 曰. The core meaning shifted from 'decline/abolish' to 'replace, substitute for'.