Is it permissible to perform tayammum when cold water is available, for an individual who is alone and fears harm from using it?

Tayammum (dry ablution) is permissible only when water is unavailable, or when one is unable to use it due to illness, cold, or fear of harm, as Allah Almighty says: "And if you find no water, then perform tayammum with clean earth." So, if it is possible to use water, even by heating it, then Wudu (ablution) becomes obligatory. However, if you are unable to use it by any means, then tayammum is permissible for you.