You've assumed an awful lot about my use cases. The data I deal with in .CSV form is always pre-processed and doesn't have any of the minefield occurrences you've mentioned. There can't be a newline or anything like that in an input. In my decade of using .CSV files daily, I've only had one tertiary system where that is a problem.

Also, when doing interactive work, it's a bit different than writing production IT software.