Maybe I'm just not thinking hard enough, but I'm having difficulty thinking up an example of when I refer to x but do not mean {x}. If x were not an "element", then I can say it is outside the scope of set theory. But as soon as I say x is an element, then I am referring to x as being a member of some set. Since the least set that x can be a member of is {x}, then I think this is what is meant by referring to x as an "element".
Can you think of a situation in which you consider x as an element apart from being an element of at least {x}? For if x is an element of a larger set, say {x,y,z}, this still means, {x} U {y,x}, so x being an "element" means at least {x}. Do you disagree?
Come to think of it, can you name something that doesn't mean that you are not referring to that thing as belonging to a category with some specific properties that do form a set of similar objects where that set may only have one member, namely that thing? How can you refer to something that does not belong to any category or have any general propoerties that cannot be referred to as belonging to the set of those objects that have those properties?
To labor the point a bit. I'm thinking it is impossible to describe an object, abstract or concrete, that does not have some sort of unique property, where the extention of that property (Predicate logic) is a set.