Well, that would certainly be an example of a crossover (from my understanding) but the common case of a passive network that splits signal into 2 or more bands in a typical loudspeaker was a crossover last time I checked. After careful thought I'm guessing maybe it's the act of signal summing that BoB feels prevents the typical BM setup from being a true crossover?

I'd submit for consideration the classic passive stereo satellites plus a DVC sub-woofer as a litmus test - is it or is it not a crossover, if so or not, why?

I've always had a liberal view of the term, but I'm willing to be educated. I suspect it's maybe one of thise things that there may be no hard and fast rules for use of the term.