| I've seen situations just like this. I was Vampire: The Masquerade and one of the other players created a slightly insane vampire doctor. Problem was he refused to come out of his mansion claiming that he's quite comfortable and doesn't need to go out on hunting missions with total strangers. The GM had to constantly all but force the player to have his character be involved. Needless the rest of us were pretty frustrated.
The problem is while this might make perfect sense from a character stand point it makes no sense from a game stand point. In other words when he set out to make the character instead of realizing that the character he's going to play has to go on adventures with the rest of us he purposefully created a character that just wants to stay at home. He didn't create a real PC. Instead he made an NPC and trust me the DM did not need the help.
That's what it ultimately comes down to. When you're deciding what kind of character you're going to create and how that character will behave you have to be mindful of the fact that this is a game and that your PC will have to go on adventures. If you create a stay at home character who is too scared to get involved or you create a nasty mean person who doesn't get along with anyone or any other non game conducive character concept you're not being a good roleplayer. You're being a jerk. | 
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