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> Why does this difference exist?

Same reason why there are different date formats, weeks start on Sundays/Mondays (or Saturdays), long/short scale numbers, drives on left/right, different wall sockets and plugs, different train gauges, and of course metric/imperial.

It's a mix of tradition, conventions, inertia.

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Because in English you say "three dot two", whereas in German it is "Drei-Komma-Zwei".

It just reflects the spoken language. And having the unused symbol then be the thousand separator is natural.

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Interesting, I did not know this, but a little bit doubtful. Wouldn't it be the other way around? Explicit spoken language coming from being written that way.
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Maybe at some point originally, but now you can't change it. Spoken language resists attempts to shape it by committee, and written language has to begrudgingly follow its lead.
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