The surface finish of the shaft is important. A rough finish will allow oil to drain away, allowing metal to metal contact, leading to failure.
In automotive engines with pressure oil feed, the steel backed shell beatings, of various compositions, (Aluminium/Tin, Aluminium/Silicon etc ) with normal clearances, the shaft needs to be dimensionally correct to within 0.001" ( 0.025 mm) on diameter and have a primary surface finish of no more than 16 micro inch Centre Line Average.
At 18 CLA, the shell will begin to show a polish
At 20 CLA the bearing will begin to wipe (Localised melting ).
By 22 CLA failure is certain!
With Nitrided, or Tufftrided shafts, rather than Induction hardened, these limits become even more important.
Once failure begins, "healing" is MOST unlikely, usually the damage increases exponentionally. Often the root cause is impossible to find, because the damage to shaft, bearing, and housing is so extensive. Often the steel shell, if any is left, will have been blued and hammered to a thickness of less than 0.001" The whilte metal will have been distributed by the pressurised oil all over the surroundings, in minute flakes..
The "White Metal" bearing needs to be of similar finish, a variation of 0.00001" (0.00025 mm 0.25 microns! ) will show itself as a polished band on the surface of the bearing surface. More than that leads to failure..
This kind of failure can happen at speeds of 2,000 rpm or below, with rubbing speeds of as low as 1,500 f p m..
So shaft and bearing finish and clearances need to be correct to minimise the risk of wear or failure.
Howard