I may have an entirely different perspective on this, so take this as an observation not an argument.
The premise behind the question posed here isn't really about roleplaying. As a derivative from another conversation elsewhere, it's more about the willingness (or more correctly, the unwillingness) of a player to compromise or accept consequences from anyone other than themself. The reason that other discussion is never going to end on its own is because nobody is actually going to admit that. They'll just continue skirting the heart of the matter behind more defensible buzzwords, like roleplaying and player agency.
RPGs don't inherently tell people how to play them; they only tell them what to expect. Every person, group, and table ultimately decides how they are going to play, both as individuals and as a group. The rules and results require interpretation and application, which are discussed (or negotiated) between the participants at the table.
How you choose to roleplay your character is often the only bargaining chip you have when you are not in the GM seat. Or at least, that is how some players view their games.
What it really comes down to is whether you decide in the game is affecting you (the Player), or you (your Character). In either case, you are always deciding how much you are willing to accept the rules or rulings made during play, which feeds directly into your own sense of agency.
There's no wrong or right away about this unless we know what are the real motives behind the Player. Most players generally do not want to lose or fail on someone else's decisions. They may not be opposed to failure or loss as part of the game, but not in these types of games where they feel they have more freedom to write their own outcomes and narratives. So the argument becomes less about "It's what my character would do", or "That's how I roleplay my characters", and more like "You can't tell me how to control my character!", or "Why are you trying to take away my fun?!".
To me, the real question being posed here is: "Who are you portraying when you are playing a character in an RPG: your character, or you?"
I can't see how any of us are not doing both at all times. We might have a preference during different sotuations or systems. But it also varies with the groups we meet at different tables. Getting to the heart of the matter, it is not uncommon to see individuals claim either position or stance to protect their interests and preferences, whatever those happen to be. That is their part of the negotiations that happen in every scene, every encounter, and every session.
That's really what these games are about, isn't it? Collaboration, compromise, and conflict. Choose wisely.