Gum and crud inside the action is pretty common. Even brand spankin' new guns sometimes have all kinds of evil debris inside. When I bought my then brand new 337, it had a strange habit. Every time I dry fired it, I would get green oil out the hammer and trigger openings. The first time I just wiped it off. But then I noticed it had a gritty feeling. So I took it down and found machining debris inside. Metal cuttings and grit. Because its got a painted finish, I was leery of using solvents so I did the unthinkable. I washed it. Yep, hot, soapy water on the gun, innards and all. Then even hotter water to rinse. I just put it on the counter beside the sink to dry. Just a droplet of oil on the pins and it became a much smoother gun.
Old guns were often lubricated by those without the experience or knowledge of how to work on them. If there's an opening, they pour some oil inside. If some oil is good, more is better, with too much being just right. One such incident isn't so bad. Usually the oil doesn't puddle, it runs down into the grip frame where it protects the wood from rusting. Its why you never see rust on wood..I think.
But where the problem occurs is when they do it repeatedly, over a long period. They use the lube they have at the time. Some seems incompatible with the others, and it forms gum or hairballs. Its what we attack when we take the side plate and cylinder off the gun. Often just solvents aren't good enough, you need mechanical help. I prefer a toothpick to urge it along and out. Qtips also can help.
With blue or nickel guns, I don't agree with an earlier posters idea of not using them. They're cheap, available, sometimes in quantity. I have no idea if he's right or wrong about his phosgene gas theory. I don't heat my guns to the point where it might be a problem. I seriously doubt the heat from a water faucet would produce any kind of reaction. The real problem on newer guns is the finish. Paint sometimes dissolves under attack from strong solvents. I've never had a problem with blue or nickel finishes. They seem very durable.