I believe that most of us are influenced in our definition by those near and dear to us in past generations. For someone whose introduction to quilts and quilting has no connection with older family and friends who quilted, the term "quilt" probably does assume just about anything layered and sewn together is called a quilt. And that's fine. Their life experiences have colored their definitions, which is the way it should be.
I, and so many others like me, learned to quilt by watching the older family members and friends, who let us sit at the big quilting frame when it was lowered from the ceiling. We learned by watching and then doing, many times over and over until it was close to right. But we were definitely influenced by those experiences. And those quilts were utilitarian, whether for company only or for everyday use, those were called "quilts."
Personally, I'm trying to open my horizons and sometimes find myself drifting toward what I call an "art quilt" or "quilted wallhanging. And that's fun, too.
Call it what you want--just don't pass up the experience of trying it because of a definition.
My 2 cents worth, ladies and gentlemen, and have a great day!