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There's a sentence that I didn't expect to read.
I don't use Instagram or OnlyFans. But I'd bet that they have some form of two-factor authentication.
kagis
OnlyFans does have two-factor authentication. Sounds like a time-based one-time-password.
https://onlyfans.com/help/1/5/29
If you're really worried, get a dedicated smartphone, and never connect it to the Internet or a phone network, and use that as your physical authentication token. Back up your key in a safe deposit box or something.
Maybe OnlyFans should have some kind of different policy, like forcing use of two-factor authentication or something once revenue on an account rises above a certain point. Like, expecting random adult entertainer to evaluate the security of various authentication options they provide maybe isn't reasonable.
But that really seems like it should avoid people simply "losing" their accounts.
The quote you highlighted suggests it was an issue with Instagram, not OnlyFans...but Facebook has all kinds of account protection options, so I'm guessing Instagram does too.
I may be very wrong, but it sounded to me like the problem isn’t the account getting hacked - the problem is the account getting suspended or removed by the platform itself. So 2FA etc will not help at all.
In some cases, the scammers apparently have a way to get the suspension reversed, which makes you wonder whether they actually work at Meta/OnlyFans, and are suspending accounts for no reason, in order to ransom them back to the owners.