kept their Disney+ subscription

No, no, the problem is that once you've had a Disney+ subscription, even a free trial, you're fucked for life (and beyond), according to Disney. You (and probably any descendants you might ever have) are restricted to arbitration for ever. Cancelling the subscription at this point won't help, you're already doomed.

The only ones who can save themselves are people who've never had a subscription (and to be safe I'd stay away from anyone who's ever had one, just in case Disney somehow managed to make the contract contagious).

(Of course you can still cancel on moral grounds if you're already infected, but given the precedent Musk is trying to set with advertisers who quit Xitter, Disney will probably be able to forcibly arbitrate you into subscribing again. You and your descendants are Disney serfs now, for ever and ever.)