Does that mean that any company doing finance is tech? If we, as a community, decide to tag every industry with "tech" like fintech, agritech, edtech, etc. to companies that are disrupting some industry it loses any meaning. Is every SaaS a tech company? Is disrupting the time tracking or invoice industry mean that is tech?

I think the qualifier is for companies that contribute something back, which many of those disruptor companies are using. Usually this contribution is some by-product since there are only a few companies who actually have main products as Tech.

Personally I avoid using the word "tech" and just say I do software stuff. Most people outside of computing just think its all the same anyhow ("can you help me with my wifi?" - In Laws, everywhere).