#include <iostream>
#include <locale>

template <typename T>
struct comma_separator : std::numpunct<T>
{
    typename std::numpunct<T>::char_type do_decimal_point() const
    {
        return ',';
    }
};

template <typename T>
std::basic_ostream<T>& comma_sep(std::basic_ostream<T>& os)
{
    os.imbue(std::locale(std::locale(""), new comma_separator<T>));
    return os;
}

int main()
{
    std::cout << comma_sep << 3.14; // 3,14
}