Nobody dies if instagram collapses. Might even cause more people to live.

Don't underestimate a motivated stalker or abuser.

Nicely put.

You said it, instagram is not life-critical

Someone being able to take over your account, read your DMs, and impersonate you is pretty serious. Should be treated as a data breach with serious penalties.

Sure, but it's not life-critical, lives don't depend on it.

Other engineering disciplines have different rules, because for example a bridge or building with a fault might cause the loss of life of hunderds of people.

People, especially underage, commit suicide over private information of theirs getting leaked.

Another commenter noted that stalkers and ex partners could absolutely weaponise account takeover in a life threatening way.

Tech companies don’t want to take responsibility for the incredibly sensitive data they have collected and are trusted with guarding.