Getting access back to an instagram account? Need help

Hello! I sold some instagram accounts in the past and some people were able to get their money back through paypal because i was dumb and received money as goods and services.

Some even claimed they are able to pay me only as goods and services. I even heard that some people lost money when their customers paid by friends and family, they somehow were able to open a case even with friends and family payment.

So my question would be, how a seller can guarantee safety for himself before selling? For example If I changed an email address before i sold to a new one and kept my old one for myself, can i get access back if something bad happens after? Or changing an email to a new one before selling doesn’t change anything?

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