Ok, I\'ve read a couple books on XML and wrote programs to spit it out and what not. But here\'s the question. Both a comma delimited file and a XML file are \"human readable.
XML supports complex, structured and hierarchical representation of things. That's far from what CSV can store trivially.
Think about a complex object graph in an object oriented environment. It can be serialized as an XML document pretty easily but CSV cannot handle such a thing.