You know that the other two words also exist though, right? Like, you can effect change in an organization, and there can be something strange in the affect of a psychopath. So there's a verb "to effect" and a noun "affect" (although here the pronunciation is different--the accent is on the first syllable). It's true that the most common usages follow the rules you're laying out, but it genuinely is an oversimplification.
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