Hopper is almost correct !
There is true brinelling (TB) and false brinelling (FB), quite different things.
True brinelling (TB) is caused by the application of heavy loads when the bearing is stationary or virtually stationary. Clive's Saab wheel bearing is an example of this. In other equipment TB very rarely happens unless something has gone badly wrong.
Every other case mentioned is either FB or a more generalised fretting damage. FB is just a special case of fretting damage where the damage is restricted to ball contact points as a result of very small movements that displace the lube film. These contact points then wear due to the lack of lube and cause the formation of hard ferric oxide which accelerates the wear process. The pits can become highly polished. Visually they resemble the marks from a brinell test. But whereas a brinell test makes indents that are plastically formed, 'false brinell' marks are basically abrasive wear pits.
TB and FB both affect bearings in three ways. They put perturbations in the generally uniform friction torque, create noise and vibration if you run at high speed, and potentially reduce the fatigue life of the bearing. For clockmakers the first is the general concern. In electric motors, fans etc, its the second. One rarely gets to the third in industrial equipment because the noise will upset people first and the bearings will be replaced.
As mentioned, FB is caused by local lube film breakdown. This happens with greased bearings and it takes usually tens of thousands of small angular oscillations, such as one would get in a pendulum suspension or pallet arbor. One can combat this to some extent by stuffing lots of grease into the bearing such that the local grease displacement around the rolling elements can't happen. But if it's a clock, this excess of grease drastically increases the friction – which is the very reason for using a rolling bearing in the first place. Oil is very effective at stopping FB but you need seals to keep it in and they add friction torque too.
Gerry