Basically StateT uses Either to model either the application state or an error. So if your application throws, you lose the current state forever. They sort of painted themselves into a corner with this choice of type, there's no real way out now.

This explains in more detail:

https://github.com/haskell-effectful/effectful/blob/master/t...

I agree loosely with what haskman above says about creating relatively bug free applications, the guard rails are so robust. But those same guard rails mean you can paint yourself into a corner that it is harder to get out of without imperative state, case in point above.