What you've stated is correct Wayne. I view Romex jacket in conduit as a sloppy/amateur installation, and probably a good indicator that there are many problems requiring correction nearby.
Conduit isn't for stuffing non-essential material into it.
Romex jacket in conduit indicates to me that someone didn't have the sense or working knowlege to do the job any better, or properly.
I've stripped the jacket and paper off of Romex to make very short runs in conduit (by pulling it out, not slicing the length of the jacket), such as between a panel and a receptacle in a box 12" away, but using jacketed Romex in conduit is a sign of a poorly thought-out installation. The concept of actually pulling jacketed Romex thru conduit is insane.
I've seen complete idiots use SJ multiconductor cord in conduit, and I suppose some folks would defend that too. The idiots for this example chose SJ so they wouldn't have to go fetch spooled wire or bend and couple the conduit sections.. yep, no shit, two straight sections of conduit at 90 degrees, with the exposed SJ completing the "bend". This was in an industrial setting, a steel wire mill (nails, staples etc).