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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.
This has nothing to do with MFA. Reread the article.