The factors that increase body fat accumulation from your options are:
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High stress: Chronic stress can lead to increased levels of cortisol, which is associated with fat accumulation, particularly in the abdominal area.
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Hormonal imbalance: Hormonal imbalances, such as those involving insulin, cortisol, and sex hormones, can lead to increased body fat storage and difficulty in losing weight.
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Sleep deprivation: Lack of sleep can disrupt hormones that regulate appetite and metabolism, leading to increased caloric intake and weight gain.
The option diet based on whole unprocessed foods is generally associated with weight maintenance or loss, rather than an increase in body fat accumulation.