Total Guess:
Think of the wire as a lot of slices of cross-section end-to-end. In other words....like pennies stacked. Now, if there's any "pits" in the wire, it's like one of the pennies has a chunk cut out of the edge. Now that becomes a thinner-wire-point. The net effect is that thinner wire INCREASES resistance. Just 1 pit makes the whole wire seem thinner in that it's a "choke point" in the flow.
So the best guess answer is microscopic pitting of the wire.
I don't see gunk doing it per se. No more than insulation on a wire would increase it's resistance.
However, gunk/insulation may let the wire get hotter than it would otherwise and heat increases a wire's resistance. But we're talking about wire we WANT to heat here....