Yes I think there is something in what you say about the term Web 2.0, but it is a useful handle to describe a real changes that has happened over the past few years, which have resulted in a range of new online applications and changed the way people use the web.
There is an element of technology change here, AJAX, the use of lost cost LAMPS server infrastructures and widespread broadband has had an impact. At the same time there is the recognition in the value represented by the users of an application, initially this was exploited to provide comments, and product reviews but now sites like you tube, and in our world openstreetmap are nothing without user generated content.
So for me a useful handle for the sort of thing that mySociety does and generally big commercial organisations and government agencies don't.
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