I'll have a go at this.
Most areas require the septic tank waste to be disposed of in a certified sewer plant, usually the
city system. My grandpa worked at one for years. I'm pretty sure the basic system is the same, although I'm sure the control system is much fancier now. Basically they provide lots of oxygen, agitation and the bacteria break it all down into
CO2, water and more bacteria. Then they kill the bacteria in the outflow and put it back into the drainage system.
The only big problems with the system are Birth Control pills (and maybe other meds) and industrial waste that goes ends up down the drain.
The Birth Control pills aren't broken down
enough and in Sweden are leading to hermaphrodite fish. No telling what else is going on that hasn't yet been identified as a problem.
The industrial waste is a huge problem, bacteria aren't as eager to break down some of these. Govts are trying to separate the two waste flows, but people often do what's cheapest even if it screws everyone else up.
Septic system waste breakdown is a function of temp and available moisture. In a normal septic system, moisture isn't a problem. When I lived in South central Alaska I had to get my septic pumped every year, but the soil temp is probably much lower there and I had 12 - 13 well fed people dumping into my septic system. With high load and low temps my system couldn't handle it. When I moved to Indiana, still lots of people crapping, but when I had it pumped after a couple years, the guys said it was basically empty. Temp matters. It was also a different designed system, injecting air into the water.
Either way, the crap and
pee eventually turn into water and CO2 and re enter the eco system.