The point of effect systems isn't to stratify the behaviour of the operating system (it's the Wild West out there). It's to stratify the behaviour of your program. A function that has a DB effect isn't telling you that it will make Postgres queries (which can do anything!), it's telling you that it wants to make DB queries so you need to pass it a handler of a certain form to let it do that, hexagonal architecture style.

But you can also stratify in the other direction. ‘Pure’ functions aren't real outside of mathematics: every function can have side effects like allocating memory, possibly not terminating, internal (‘benevolent’) mutation, et cetera. When we talk about ‘pure’ functions we usually mean that they have only a particular set of effects that the language designer considered ‘safe enough’, where ‘enough’ is usually defined with reference to the ergonomic impact of making that effect explicit. Algebraic effects make effects (and importantly effect composition — we got here in the first place because we were fed up of monad transformers) more ergonomic to use, which means you can make more effects explicit without annoying your users.