Will a person be held accountable for his chosen isolation out of fear of temptation, despite knowing its physical and psychological harm?

The required seclusion is to seclude oneself from evil and corruption, not from people absolutely. One must seclude oneself from those whose companionship is harmful to one's religion or worldly affairs, while being keen on permissible mingling such as attending Friday prayers and congregational prayers, visiting the sick, following funeral processions, and enjoining good and forbidding evil within its regulations. Seek righteous companionship that helps you remain steadfast and obedient, so that your religion may be safe and you may be secure from the desolation of complete isolation.