I am no expert on the matter. From what I have read, it is usually just age on older lenses, such as some of the LF lenses, where the balsaam has just basically gotten older and dried up, causing the separation between some of the lens elements.
On newer lenses, I understand that heat, such as leaving a camera lens in a glove compartment of a car, can also cause it.
Probably someone who actually knows more about it can comment.