"She quits, and she avoids having to be accountable for her actions."I don't think so. She'll be accountable every day in her real life for quite a while. She'll say she doesn't give a damn but she wouldn't have given a damn on the show either.
"Just as Dream owed it to Yau-Man to give up the immunity necklace..."
We have two different cases: YM gave something of monetary value to try to bribe Dreamz out of his shot at a million. It's an individual game so you don't owe anything to your team mates because there simply aren't any real teams.
PS: For quitters before Osten, I count BB, Gabe, Shawna and Nicole (not that she wanted to be voted out but she didn't want to be voted back in as an Outcast!)