The numero uno enemy of N scale equipment is D-I-R-T . I have found it to be the cause of numerous operating headaches from poor locomotive performance to derailments. When something starts to go badly on my pike, assuming that I have on my thinking cap, the first thing that I do is check for dirt.
Call it 'crud', 'gummy', grease, muck, caking or whatever; it is ALL dirt. Yes, excess caked crud on your boxcar wheels CAN make them derail, especially on turnouts and diamonds.
Obviously, when I posted my first reply to this topic, my thinking cap was not on.