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The point is - no pun intended - to avoid ambiguity. Whether "one hundred and one" or "one hundred point one", they both audibly have a decimal, while "one hundred one" does not. Those who ignorantly say "one hundred and one" for 101 are causing ambiguity and problems.

'And' is not a synonym of 'decimal'. Never has been, never will be. The Americanised way of saying large numbers is a later development than the British way, so you caused the supposed ambiguity; start speaking correctly and it will go away.

The Yanks are allowed their own dialects, you know. But it's not as bad as Guess Undheit suggests: the rule linked to gives "One hundred and one tenth" as the way to say "100.1" or "one hundred one and one tenth" for 101.1. Perfectly straightforward and easy enough for a speaker of "proper" English to understand, if a bit daft to my mind.

Those who say "one hundred and one" for 101 are speaking unambiguously correct UK English which leads to no problems for any of us. As far as I can tell, no-one says "one hundred and one" to mean "one hundred point one". See these two links: https://www.bbc.co.uk/learningenglish/course/intermediate/unit-25/session-1 and https://math.libretexts.org/Courses/Honolulu_Community_College/Math_75X%3A_Introduction_to_Mathematical_Reasoning_(Kearns)/03%3A_More_Types_of_Fractions-_Decimals_Percents_Ratios_and_Rates/3.00%3A_Introduction_to_Decimals-_Place_Value_and_Reading

All the ignorant whiny know nothings like you say with you knee jerk reactions that you "never say and for a decimal". How exactly do you say £1.23? And just as stupidly, you "think" I'm an inbred yank. I'm not from the UK but had l|mey "parents" and UK education.

"How exactly do you say £1.23?" One pound twenty-three.