OK, so then you might call your function `loft2` instead. So what?
The remaining problem is more subtle. It's that your solution isn't very modular. You've crafted a tool `loft2` that fuses the operation of incrementing the count with the behavior of our `lift2`. What if we needed to deal with some unary functions as well? Then you'd need a `loft1`. What if we need to deal with some functions that are already monadic? Then you'd need a tool that fuses the count-incrementing with the behavior of `bind`. And so on.
OK, so then you might call your function `loft2` instead. So what?
The remaining problem is more subtle. It's that your solution isn't very modular. You've crafted a tool `loft2` that fuses the operation of incrementing the count with the behavior of our `lift2`. What if we needed to deal with some unary functions as well? Then you'd need a `loft1`. What if we need to deal with some functions that are already monadic? Then you'd need a tool that fuses the count-incrementing with the behavior of `bind`. And so on.