The question is about counterfactuals

If unreal cost money up front, would this have been built? No.

Unreal is saying: hey, we contributed to 1/20th of your success, because you could not have done this without us.

Thus, in the event that you're extremely successful, yes, you'll owe unreal a million dollars. But that's only because you made 20mm and keep 19mm for yourself.

That's an incredible bargain.