Disney's argument in the recent lawsuit, where they killed a dude's wife at a restaurant, after assurances were made that they could handle preparing food that wouldn't have what she was allergic to, and failed to do so, resulting in her death. It boils down to: you signed up for Disney+ for a free trial 4 years ago, so you have to go to arbitration, not sue us. Therefore if he had pirated the content, he would likely already have a check because they would have settled out of court.