So, what you're pretty much saying- in your defense is those PG films could have been PG-13....
Yet, you still haven't seen FF2 and you're saying it's a "Disney Channel Movie." Lol.

Instead of something similar to the others- as you stated- could just as easily be PG-13.
And failed at box office made Rocky Balboa a bad film? Since when? Shawshank bombed at box office, so that film must be terrible as well... I mean, that's the ONLY think that you could say about Rocky. Lol. And the SW and other example- all you could say was "could be PG-13", well- they were PG, bub.
And what I AM SAYING IS FIND ADULT (MAIN CHARACTER) ORIENTED PG FILMS THAT FIT INTO YOUR PERFECT LITTLE PATTERN, AND THEN COMPARE THOSE TO THE ADULT (MAIN CHARACTER) FILMS THAT DON'T.
So far you only stated kid oriented films like "Spy Kids", lol... that really doesn't back your argument at all since they were made for kids since stage 1- since, surprise- they star kids as the main characters.
Because you have yet to provide ONE example that is similar to a FF2, adult main characters, that fits into your perfect "Disney Movie" world.
And there is no reason it has to be PG-13 either.
And if you're worried about action- in SW- somebody's
hand is cut off! What more can you ask for? PG allowed for that...