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Lack of lubrication, improper pre-load on the bearing assembly, driving in deep water and allowing wheel bearing grease to become contaminated with foreign matter are a few of the reasons. Scheduled maintenance would catch this early on; if your vehicle is a front wheel driver then the bearing hub assembly in each wheel is sealed pretty much for the life of the car unless the seal(s) protecting the bearings are ripped or compromised. This will allow road junk to get into the bearings and once they lose their spherical shape, it's all over. Sort of like getting sand in your old time roller skate wheels and the ensuing grinding that usually follows. It is like that but on a large car scale.

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