Despite sharing similar plots, Moana shouldn’t be considered a ripoff of LOTR: one of them has Disney songs and cultural awareness, the other has an entirely artificial language and intensive worldbuilding.
Does that make Moana derivative? Certainly not. Each plot has its own set of characters, antagonists, worldbuilding schemes, and audiences. Despite sharing similar plots, Moana shouldn’t be considered a ripoff of LOTR: one of them has Disney songs and cultural awareness, the other has an entirely artificial language and intensive worldbuilding.