"apodo" occurs some 47 times in the N.T. and having gone through several of these the meaning, appears to me, to be always to "give back". e.g.Mat 20v8 E.S.V. makes it "pay", but the context is pay back what is owed. Also Rom2v6 E.S.V. "render"=giving back in return for something done. But in 1 Pet 4v5 then the works themselves are given in the first place and what is given back is an account of what has been given. If person A] says:"We are responsible for our lives", but person B] says: "No we are not, we only give back to God an account of what He first gave us". Has B given a correct translation of apodo. [Incidentally if a history teacher gives an account of the 1st World War that would not imply that they started it and were thus responsible for it]. There is then a need to get apodo right in 1 Pet4v5. Is it give or give back?
To "give back" appears to be the correct rendering of "apodo" in 1 Pet 4v5.
However, I suggest, the meaning of "give back" is not necessarily immediately obvious. Here are two sorts of give back:
1. God gives a person a life [Romans 11v36 all things are from Him] and people will have to tell the story/admit/give an account of what God gave them in the first place.
2.Because of the previous two verses the people who give an account to God owe Him something. Whether they are ultimately responsible, or not, due to their instrumental responsibility the punishment for their disobedience is death.
In Mat 12v36, 18v23, Luke 16v2 and Romans 14v12 "logon" is a statement of transactions leading to an outstanding balance that has to be paid and not just "telling the story of".
Giving back in the second sense will never finish because what is owed can only be paid by Christ's perfect sacrifice. Unless death is defeated it carries on being death.