Earlier quoted context omitted.
Excel CSV is broken anyway, since in some (EU, ...) countries it needs ; as separator.
That's not an excel issue. That's a locale issue. Due to (parts of?) the EU using then comma as the decimal separator, you have to use another symbol to separate your values.
It wouldn't normally necessitate not using comma as the field separator in CSV files though, wrapping those values is quotes is how that would usually be handled in my experience.
Though many people end up switching to “our way”, despite their normal locale preferences, because of compatibility issues they encounter otherwise with US/UK software written naively.