That frame could just need a really good cleaning. Maybe some grit or powder residue has built up inside the frame not allowing the barrel lugs to fully protrude into the frame lowering the hammer block completely. It could be this has been gradually building up and your 45/70 barrel is just the "tightest" one in your set.
You should also be able to visually see the movement of the hammer block with a barrel off and pressing inwards with something like a brass punch or wood dowel under the shelf in the frame.
TC does say not to use any "regular" types of gun oil in the action. They recommend only a dry film lube that doesn't attract dirt and grit.
It is also possible, though I doubt it, that your hammer spring is starting to weaken, and your 45/70 bbl is the first one that shows the symptom.