Where the damage comes from
Excess positive charge is the dominant cause. Uncomplexed cationic lipid or polymer binds anionic membrane phospholipids, permeabilises the bilayer and triggers a rapid loss of membrane integrity. Toxicity therefore scales with free reagent, not with delivered cargo — which is why the highest-efficiency condition and the most toxic condition are often neighbours on the same matrix.
Endosomal overload is the second source. When large volumes of undegradable material accumulate, lysosomal membranes are destabilised and cathepsins leak into the cytosol, initiating apoptosis. Biodegradable polymer backbones and ester-linked lipids reduce this by design.
Expression stress matters too. Over-expressing a strong reporter such as EGFP for several days can itself inhibit growth; a reporter that is convenient on day one may be the confounder on day four.

