The prior NPR story on this said that the seamount (which they hit) was uncharted. And suggested that there are ~100,000 vaguely similar seamounts in the world's oceans.

I suspect that the Navy would dump a cautious sub captain - who ran on the surface, or slowly, or using his sonar to (loudly) look for uncharted seamounts in his path in such circumstances - extremely fast.

I would not call it institutional accountability when people are ordered to run through a minefield, and then the ones who get unlucky are punished.