Ah, such youthful ignorace.

You just classified probably every single bank in existence as "unserious organization"

Yep, healthcare, grocery, logistics, data science. Heck it would be easier to list industries that DON'T have any CSV. There aren't many.

In terms of interchange formats these are quite popular/common: EDI (serialized as text or binary), CSV, XML, ASN.1, and JSON are extremely popular.

I 100% assure everyone reading that their personal information was transmitted as CSV at least once in the last week; but once is a very low estimate.

They kind of actually are, though.

Not because they use CSV's but because, as an industry, they have not figured out how to reliably create, exchange, and parse well-formed CSV's.