Polycrylic getting sticky and peeling/wearing off

I coated a bare wood acacia table for a computer desk with Minwax polycrylic about 4 months ago and made sure it was dried the recommended 24 hours before regular use. 4 months later, I noticed the edge where I rest my arms was getting sticky and peeling off. I thought it was just grime from my hands or something, then I realized it was a rubbery substance. I scraped it a bit and I could see the bare wood beneath. It was all sticky and rubbing off, and becoming a lint trap. Is this normal that Minwax polycrylic does not tolerate regular human body contact? I would not expect regular body temperature to be "high heat". Or did I do something wrong? Is the deterioration caused by heat or oil? Also, would the stickyness disappear and the finish solidify again if I stop using it?

I am intending to sand off the rubbery section and re-finishing the area. Is it okay to put the new layers of finish over some thin layer of residue? Will it bind? Also buying a desk mat to protect the surface.