You’ve never worked in finance then. All our systems at work do nothing but move large amounts of txt files around.
That said, many of our clients still don’t support utf-8 so its all ascii and non-latin alphabets are screwed. They can’t even handle characters 128-255 so even stuff like £ is unsupported.
Your tap water is expensive! Is that a typical rate? Its $551 for me for the 5l/hr for 5 years. $0.0075 per gallon. This is in UK. Its billed at £1.98/1000l.