She used the term "fetus" because she was already thinking "lawsuit".
I'm with you, the minute I found out I was pregnant I used the term "baby". My baby, to be exact. A pregnant woman using the term fetus to describe her baby is more than creepy.
That's just what my daughter and I were talking about. She was laying the groundwork for a law suit.
No woman calls her baby a fetus, creepy indeed.