TSV --> Problem Solved! Has anyone ever stumbled upon a cell entry that needed to contain an actual tab character? No!!! The tab character's entire raison-d'etre is to separate fields, whereas the comma separates words. Technically the "C" in CSV denotes "Character" but with TSV the intent is 100% clear. The MIME type is explicit: "Note that fields that contain tabs are not allowable in this encoding." This is a vanishingly small price to pay for a parser a simple as split("\t")...
Nobody (or very few people) processing CSVs is doing it because they like them. You do it because that's how someone else created the data - someone you don't have any control over, like a government agency, financial institution, piece of obscure software, whatever.
[1] http://www.iana.org/assignments/media-types/text/tab-separat...