Either to author of the serialized data realized that the numbers could overflow a float or didn't. This is independent of serialization format.
In your contrived example, somehow, the user of JSON didn't realize the salary could overflow a float. (OTOH, he succeeded in serializing it, mysteriously.) All the while, the XML user was magically forward thinking and deserialized the value into a big decimal. Your argument simply hinges on making one programmer smarter than the other. If one knows that a value will not fit a float, the memory representation won't be a float and the serialization format won't use a float representation. It has nothing to do with JSON vs XML.
In your contrived example, somehow, the user of JSON didn't realize the salary could overflow a float. (OTOH, he succeeded in serializing it, mysteriously.) All the while, the XML user was magically forward thinking and deserialized the value into a big decimal. Your argument simply hinges on making one programmer smarter than the other. If one knows that a value will not fit a float, the memory representation won't be a float and the serialization format won't use a float representation. It has nothing to do with JSON vs XML.