Adding more methods to an interface is not always the solution to the Law of Demeter. You do not need to distinguish these cases, you need to find a different way to resolve them.
Take your second example:
print(account.user().fullName())
print(account.user().socialSecurityNumber())
Does your caller here need to interact with an account at all? Remove account as a dependency and provide user as an argument instead:
print(user().fullname())
print(user().socialSecurityNumber())