Technically you are correct. By the very definition, something that takes, for example, 110V and turns it into 9V is a step-down transformer.Originally Posted by SuperShark
However, in the context of worldly electronics, a step-down (or step-up) transformer is a device that converts global voltage standards.
A lot of devices now use power adapters with 100-240V inputs. ONLY THOSE are safe to plug in "worldly" without a step-up/down transformer.
Plugging a plain-old 110V adapter into a 220V outlet will probably make fire. Plugging a 220V adapter into a 110V outlet will underpower the device and still maybe break something.