why do i have to pay to watch movies

Movies that say rent or buy are from the iTunes Store and are not free. 

Your subscription is for Apple TV +

Apple TV + is Apple Original content. It’s a channel found within the Apple TV App. The shows included in your subscription will have the tv+ logo on them - those are free. This is not like Netflix or Prime etc, where all is included in the one App.  

 About Apple TV+ - Apple Support

Apple TV+ launches November 1, featuring originals from the world’s greatest storytellers - Apple

Disney Plus is another channel and requires a subscription but I believe it might still have a Free 7 day trial. Disney Plus is not included in your subscription.

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Are you sure you lost your free year? You can look it up in subscriptions on your Apple TV:

1. Open Settings.
2. Select Users & Accounts, then select your account.
3. Select Subscriptions.

To view on another device:

View, change, or cancel your subscriptions - Apple Support

Yeah, I just had my free year cancelled with no warning. Trying to view content from Disney forces you to pay/subscribe to them.