100%. It's not infallible. There are CSV plugins for Vim that bring increased confidence.

In those cases it gets a bit trickier but still relatively straightforward thanks to regex-based search. If needed frequently you can also just create a keybinding that does the regex typing for you.

Though I'm usually in the position where I create this kind of file myself and so I just go with semicolons as column separators. Those are much less likely to cause such collisions.