The intent matters - terrorism is to use terror from the act to influence decisionmaking of other people not involved in the accident directly (to send a message with your actions/war/policy/attacks/extreme-passive-aggressiveness/etc).
What St Luigi did also wasn't terrorism, but the wealthy group that somehow identifies themselves as the same scumbags as that healthcare CEO are a bunch of entitled delicate flowers that want to stay where they are & they indeed have the power to send a terrorist message back with what's happening to Luigi.