the cables that come with these kits are junk.. they will stretch with use and sometimes fray quickly. this will cause it to bind in the cable housing. and the lube is a great idea, if your cable is ok and not lubed.
if it just stretched, is as simple as adjusting the cable. there are a few ways to do this, and all of them are really easy.
if it frayed, like my throttle cables where doing. you will need a new cable. mine would work ok, the the it would stick sometimes. till one day it just stuck, i puled it out of the cable hosing, and it was frayed and useless.
once you adjust it a bit.. try and start your bike, and come to a stop. if you can, needless to say your good
but still, pick up your back wheel with your clutch pulled in.. your wheel should not spine. and if it dose, try tightening it up a hair at a time till you get it just right.
the one i just built for my friend was doing the same thing. we just keep adjusting it as the cable stretched. and its working fine now.
and when you peddle, you will feel a tiny bit of drag when working right. but if your clutch just needs adjusted. you should feel alot less drag once its fixed.