I think the thing that confuses most people is that Disney went in with the 50/50 offer (since they were only getting 5/95) and expected some back and forth for a new agreement, but Sony just flat out said, "How about 0/100" and walked away.
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That was the initial report, which has since been clarified: "these talks had been going on for some time." It seems Disney simply wouldn't accept less than 50/50 https://deadline.com/2019/08/kevin-feige-spider-man-franchise-exit-disney-sony-dispute-avengers-endgame-captain-america-winter-soldier-tom-rothman-bob-iger-1202672545/ …
