When I lived in the UK, it was always clear that tortoise is terrestrial and turtle is marine. I never heard anyone confuse the two. But in the US, it's not uncommon by any means for a tortoise to be referred to as a turtle. I would be prepared to stake a small bet, in fact, that it's called a turtle in the US more often than it's called a tortoise. However, as is the case in the US where "monkey" is nearly always said when "chimpanzee" is correct, when you dig deeper and get into a discussion it soon becomes clear that the speaker is aware of the difference, and just talking from (bad) habit.