The live-action remakes assembly line is just a symptom on Disney (and most of it's subsideries) being creatively bankrupt.
Yes. Generally, they are money-grabbing, sucking every last drop they can get out of nostalgia for their old/proven stuff...
The last time I remember watching Disney putting out something that was different and risky, was 2015s Inside Out.
No. They deserve a little more credit than that. I will concede however, that with the sheer
volume of stuff they pump out, some of which is unmitigated trash, they are bound to "broken-clock-is-right-twice-a-day" occasionally. Putting that aside,
since Inside Out 2015, which was a masterpiece, btw, they have had numerous other excellent productions, which meet your criteria ("different and risky"), just to name a few:
The Good Dinosaur (which was at least different, if not risky),
The Force Awakens (which was at least superficially different and risky in the sense that they could have repeated the PT, disappointment... although I will admit TFA was arguably not necessarily "different" or "risky", either substantively, or aesthetically
),
Zootopia (which was both)
Dr. Strange (which was different, and would have been risky'ish earlier, but maybe less risky because it was riding the MCUs large coat-tails by that point)
,
Moana (which was both)
,
Rogue One (which I'd argue was both, but regardless, was such a chefs kiss* masterpiece that its worth a mention)
Guardians of the Galaxy 2 (which was undeniably different from everything, with the possible exception of itself, the only risk being that they would ruin the magic of the original, which they didn't)
Thor: Ragnarok, (which was both obviously, along with being a masterpiece)
Coco, (which was different, if you put aside that it was a shameless ripoff of Dreamworks'
Book of Life, but it was also risky, because of the niche subject matter, and ended up being a brilliant, delightful film)
The Last Jedi (which, I think is iconic/quintessential in both regards, demonstrated in the star-level, white hot hate/animosity it receives even to this day)
Black Panther (which was undeniably different, and also pretty risky, even with the MCU coat-tails it was a pretty bold/ambitious project that obviously paid off)
Now
Black Panther came out in 2018, and for at least 2 years after that, I will concede that not much else Disney made (films at least) after that even arguably passes your criterion of "different and risky", with maybe the exception of
Ford v. Ferrari and
Ad Astera, which don't even really count as "Disney" movies, except that they were produced by Disney studios, and with regard to
Ad Astera, thinking about it... I think it possibly fails the "different" prong because of
Interstellar, The Martian and
Gravity, all of which preceded it.
But starting in 2020, Disney made:
Onward
Luca
Shang Chi
Encanto
Strange World (although the rip-off, or "reimagining" to be generous, of
Innerspace, is pretty impossible to ignore)
After
Strange World... I have to admit... I don't see much of anything else that passes for "different and risky", especially not anything that I would say was an excellent film or a hit. I will also concede that I obviously haven't seen all the films that Disney made over the past 15 years

. Also worth noting, is that most of the stuff on the horizon for the near future seems to be more of the same... sequels and remixes of existing content... So your overall point still seems valid.