The term crash imply there is something fundamentally wrong with the algorithm (like a 51% attack)
I agree that the term seems to be used liberally, but at the same time it mostly only refers to prices, so it shouldn't have anything to do with Bitcoin itself failing for whatever reason.
One of the definitions of "crash" from Google:
a sudden disastrous drop in the value or price of something, especially shares of stock.
Something like that can happen (and has happened) without Bitcoin fundamentally failing at something. That being said, their use and your use are simply on the opposite ends of same spectrum -- they use it liberally, and you use it conservatively. Everyone will have different opinions as to who uses it better lol.