Re: User Error
"CSV is a perfectly fine data format for data exchange"
Oh no it isn't! Capital letter 'O' instead of numeral '0', etc. Some years ago, exam results in Scotland were screwed up by that problem in the data.
XML with a schema that enforces data types is something you could write into a contract to ensure reliable data transfers between organisations. You cannot reasonably type XML manually, but Excel can, with difficulty, be made to export that way.
But clearly XML is a non-starter for the situation the article describes.