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TSV, CSV, PSV etc. all share the same class of problem. The important thing is that you are quoting your fields and escaping your quotes, regardless of the symbols used.

Importantly, tabs aren’t usually inserted into fields by Excel users. With Power BI, exporting TSV is a little easier for non-dev Excel power users, too.

Nailed it. When Excel users press tab, they mean "go to the next cell." Conveniently, this is also what the format means to the computer when it encounters the tab separator. It's not foolproof, but it's much better. The human interpretation of the character matches the machine interpretation.

“Don’t usually occur”

They do. People write code to create all sorts of bastardized abominations of “csv” or tab delim or whatever. It’s why the featured article gets reposted every few years. You can define a standard for csv files, but then Excel does it’s own thing and here we are.