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First of all, they didn't disable access - everything is there under a different handle. Secondly, you might lose your shit because you actually use Instagram. The author's wife doesn't use Instragram by the sounds of it - why does she get to sit on the name? She didn't buy it, it was never hers to begin with.

So you completely rely on a free web service to store something that important to you? It's unlikely now that they're owned by fb, but trusting a zero-revenue startup to offer you free access to some photos indefinitely probably isn't the safest assumption.

The old account isn't lost. It gets renamed.