A quilt made with a top and a backing would be what we used to call a summer quilt, not necessarily for warmth but just something to cover ourselves. Nothing wrong with that if you live where it is very warm and don't need extra padding as we in the northern states prefer. But it won't be accepted in a quilt show I would suspect, as a bonafide quilt. This would be a nice way to show off a pieced quilt top and use it as a spread.
Carol J.