Honestly I don't understand why we need to remove the physical level.
I was thinking 2 different way to have a good result.

1. Easy Easy Easy (Very-very-easy)reset. Every character can reset his point touching a crystal, in a camp or in a city. This works in some other MMO very well.
2. Create a Window, where we can create, save, select, and eventually modify 4-5 different setups of stats. I prefer this model, because I can create my own setup of stats (i.e. "healer) and use it when needed in a party, or create a "DPS" setup when I'm solo.