It is caused by the harsh applying and releasing (hammering) of the rollers against the inner race and the planet. It compresses the rollers and they need a little film of lube and when it "squeezes" the lube out of the way (like when a rod bearing gets hammered) then there is metal to metal and it is a matter of time until it totally fails. I have to replace the low planet assembly, rollers, low clutch housing assembly, sun gear, thrust washers, low clutches, all seals, bushing kit. All other clutches and front half in excellent condition. Pump excellent condition. Will have back together this week and wait for converter to show up. They go to Lubbock for my supplier.