I think it is actually very simple. An ideal lens, with 0% light loss due to surface refraction of its elements, will reproduce the scene with the real contrast, i.e. you will get the same number of f stop difference between the highlights and shadows "behind the lens" as in front of it. The bigger is the percentage of light loss due to internal surface refraction, the smaller will be the contrast range "behind the lens". Since the highlights are pretty dense (we are talking negative film here) already, the biggest visible difference will be in the shadows, which will gain density, creating an illusion of the shadow detail. Translated into real life, lenses with no coatings, or older coatings, and imperfect internal construction (where you can get internal reflections from the lens barrel too), will produce far less contrasty results than the modern lenses ( will "glow" and produce brighter shadows) , than for example the latest Zeiss lenses with the most advanced coatings.