You forgot that you can purchase traits that convert an X number of one attribute to it's counterpart. as long as you are not min/maxing, then there is no real problem in regards to how the point allotment system works. If you are min/maxing however, then that is your choice, and you have no one to blame but yourself. I'm currently optimized towards phys. stats, but I have my magic stats high enough that I can swap attributes through the appropriate traits. As a result, my phys./mag. stats can be as high as low/mid 100's/mid 60's or mid 70's/ mid 80's, this is acceptable to me since I don't play magic jobs often, and it's enough at current caps to still be competent