Just recently I was in a conversation with a number of UK mainlanders and we had a debate over what “tories” meant, apparently disproportionately ordinarily it refers to a political party and it’s not usual to use it as short for “territories” as I’ve used it (according to how the debate ended, it was half and half between them). And once again I’m reminded of how people feel to look back at their usage of a word/phrase over the years and cringe.
More tragically, me and a friend were embarrassed once upon realizing everyone was confusing “encephalitis” with “hydrocephalus” when talking to someone about their kid with hydrocephalus. Awkward because encephalitis is caused by HIV.
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.