This is not just about using IP and risk. Marvel Studios and Lucasfilm are still free to tell their stories within their franchises, but cinema is considered a legitimate creative medium.
And whatever goes into the parks (mission breakout, the iron man thing, this) is not canonical to the MCU. Unlike many of the Universal rides, which attempt to recreate "the movie" or "The experience", the MCU stuff being developed for Disney parks is the character, but not based on any single movie or experience.. much like Star Tours borrows from the film locations, but doesn't immerse you in any specific storyline.
That is something Disney has stood out with, and is distinct from it's competition in. Which is kinda ironic, as it came from rides that were 3d representations of the movies they created, and now they are well beyond that, in most cases.