In some cases, it could be a new and powerful enemy. This enemy might have the ability to manipulate chakra in a way that affects Naruto's mind. For example, they could send out waves of negative chakra that slowly erode Naruto's mental state. Over time, these attacks make Naruto go insane as he struggles to fight against this unseen and insidious force.
Madara Uchiha could also be a likely cause. If he somehow managed to return or had a long - planned scheme that involved breaking Naruto's sanity. He was a very powerful and devious foe who could use his knowledge of the ninja world and its powers to target Naruto's mental stability.
One possible plot could be that Naruto is pushed over the edge by the constant betrayal he faces. For example, if the village he has always protected turns against him due to false accusations of being a threat. He might start using his powers in a more erratic and dangerous way, not caring about the consequences. This could lead to a showdown between him and his former friends who now see him as a menace.
The Akatsuki as a whole could be the opponents. Imagine Naruto facing multiple Akatsuki members at once in a fight. The combined threat of their different powers and their goals of capturing the tailed beasts could be overwhelming for Naruto. They might use underhanded tactics, like threatening to kill captives or using mind - control techniques on Naruto's friends. All of these things could make Naruto go insane as he battles against them, trying to protect what he loves.
One possibility could be that after facing too many dark magic encounters, Harry's mind starts to break. Maybe the constant threat from Voldemort and the losses he endures, like the death of his friends, push him over the edge. He could start to have hallucinations and lose his ability to distinguish between reality and dark magic-induced illusions.
The main antagonist could be Naruto himself in a sense. Since he has gone insane, his actions are now unpredictable and harmful to the people around him. His former friends, like Sakura or Kakashi, might have to step up and try to stop him, seeing him as the new threat.
One possible plot could be that Naruto is constantly ostracized by the villagers even after all he has done for them. The years of being treated as an outcast and having his good intentions misconstrued finally push him over the edge. He starts to see the villagers as the real enemy and decides to use his power not for their protection but to make them feel the pain he has endured.
One possible cause could be the extreme stress he endures. Constant battles, the fear of failing to protect the world, and the loss of friends can all take a toll on his mental state. In fanfiction, writers might explore how the weight of these experiences gradually pushes him over the edge.
Maybe it could be due to the loss of his friends. For example, if Sasuke died in a battle and Naruto couldn't save him, the grief might push him over the edge and into insanity.
Obviously, Percy would be the central character. His friends like Annabeth, Grover, and other demigods from Camp Half - Blood might also be important. They could be trying to help Percy or might be affected by his insanity. For instance, Annabeth might be desperately searching for a way to bring Percy back to his senses.