Writing your own monad transformers is more complicated than understanding bind. Using standard ones isn't: swap out `State s a` for `MonadState s m => m a` (or whatever the relevant effects are) and put `lift` where the compiler tells you to, and you're 90% of the way there.

The other 10% is stacking the appropriate sequence of `FooBarT (BarBazT ... )` at the entry point to your program, which is admittedly pretty tedious.