Can someone explain in simple terms what actually causes ice to form in the carburetor?

There are many situations which can cause carb ice, but mainly its due to condensation! If you will remember the Ventura history of air being forced though a "throat" area, which does two things, it increase the velocity and decreases the temperature. Throw in the right atmosphere conditions and wa la, you have ice!
While most of the post are concerning "opposed" engines, the big "iron" also had carb ice problems. No one seemed to know why, but the B-26 engines were famous for carb icing! I don't think it was "common" to the general line of R-2800's, but I used to hear a lot of complaints about that problem with the 26! Might have had something to do with the "baffling" around the engine!
ON most light aircraft I ever flew, the problem of carb ice seem to be more prevalent in the Southeast and Southwest, as opposed to operating in the Northern area's. When the temperature and dew point get within about 10 degrees of each other, that seem to be the most threatening set up for carb ice!