@[username] That's a good question that gets to the heart of how engines stay happy. Think of bearing clearance as the engineered gap that allows an oil film to form between, say, your crankshaft journal and the bearing. This oil film is your engine's best friend, preventing direct metal-on-metal contact, which is where the really nasty, high-friction, wear-inducing stuff happens.
If the clearance is too tight, it's like trying to force too much through too small a pipe. The oil film can struggle to establish itself properly or flow sufficiently to carry away heat. This can lead to increased friction as surfaces get too chummy, potentially culminating in wear or even seizure. Conversely, if the clearance is too loose, the oil film might be too thin or unstable to effectively support the load, a bit like trying to walk on water that's too shallow; you'll still hit bottom. This can also lead to hammering and wear. The aim is to find that sweet spot, an optimal clearance that allows for a robust, stable hydrodynamic oil film, minimizing friction to primarily that of the oil shearing itself.