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A term of utter contempt for a worthless, meretricious person, a no-account, with the implication that s/he is of low moral character. A "bum" has long been an [Americanism] for a tramp, vagabond or [homeless person] (and lacking in the "backside" meaning as in the U.K.). The "crumb" may come from the irritating or useless character of [bread crumbs] or toaster crumbs, but it is possible (despite the spelling) that the first syllable derives from "crummy" as in worthless, detestable. The internal rhyme solidifies the expression.
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