In practice my online banking uses the dot, and doesn't accept commas anywhere. And it's a Romanian bank with a homemade web interface.
I just checked 3 random paper receipts i had lying around (from different stores), two use the comma and one the dot.
Obviously I'm biased but I think it's the best system because there's no room for confusion.
I think that the best approach is to avoid to use comma or period as a thousand separator and just consider both of them as a decimal separator. It seems that the recommended approach for digit grouping is just a thin space [1], but since that character is not something that you can find on a regular keyboard and the regular space can be too wide, I think that one of the alternatives (like the apostrophe) is fine too. 169.216 or 169.216 can both be ambiguous , 169 216 and 169'216 or 169_216 much less
[1] https://en.wikipedia.org/wiki/Decimal_separator#Digit_groupi...
https://en.wikipedia.org/wiki/Decimal_separator
(on the map of that article you can basically see the British Empire)