You're absolutely correct that Disney pays its employees.
However most of the images that are being used for training data don't come from Disney. Most of the imagery used for Stable Diffusion and Midjourney was from portfolio websites and other sources, afaik. The Artstation website, which is a popular portfolio website, was one of the main targets, alongside many others. Other websites used include DeviantArt and Flickr. You can check using this website https://haveibeentrained.com
A lot of people placed their passion work, personal work, and unpaid work on Artstation, DeviantArt and Flickr. Some of those people are brilliant. Stability AI used their work as training data, without announcing it or asking for permission. The result is that a lot of more profilic and famous artists can see a lot of work that directly seems to be a reference to their own, copying their style.
A lot of the work on these websites is quite simply not commercial work. The only commercial application in fact, so far, is these image engines.