I have no clue about the accountability question, except to say that God won't need our help in figuring it out on Judgment Day. Our role is only to respond to him in the waltz of faith.
God initiates and we respond with a small act of faith, which in turn draws us closer to him in deepening faith. God commands us to pray for others, and through our prayers the Holy Spirit awakens another soul. That in turn strengthens our faith. Through that first tiny act of faith, the kingdom of God grows in our dark world.
Sometimes I just need to say, "I believe, help my unbelief!" There's humility and faith in that prayer, and God hears. The biggest mistake we can make is to spend our lives blaming God for things we can't understand. We don't have to make sense of it all, we just have to anchor our souls in the certainty that God is good. Then we take baby steps in faith and obedience. That's all God asks of us. And he responds by revealing more and more of his glory.