> Don't use broken tools.
Tell that to your accounting and finance department and let us know how the message is received.
> If you're forced to use Excel, then it's not really you in control, is it?
In which case the up-thread's advice to "just produce strict RFC 4180-compliant CSV data" is worthless. "Just."
We're stuck with whatever CSVs we get, so 'just' doing X is not an option.