The association is termed a morphogenesis because the lichen has a form and capabilities not possessed by the symbiont species alone (they can be experimentally isolated).
ðɪ ɐsˌoʊsɪˈeɪʃən ɪz tˈɜːmd ɐ mˌɔːɹfoʊdʒˈɛnᵻsˌɪs bɪkˈʌz ðə lˈaɪkən hɐz ɐ fˈɔːɹm ænd kˌeɪpəbˈɪlᵻɾiz nˌɑːt pəzˈɛst baɪ ðə sˈɪmbɪˌɑːnt spˈiːsiːz ɐlˈoʊn ðeɪ kæn biː ɛkspˌɛɹɪmˈɛntəli ˈaɪsəlˌeɪɾᵻd.