From my understanding the current stats have caps preset by the player during creation. After which, the player can only work with what they set.
Wouldn't it be a better system to allow players to set their stats as they wish with a maximum amount of points, and a max cap per stat IE:100 strength. Then allow them to build/lose though stats based on the actions/skills they use (like the UO system but with more stats).
There can still be decaying of stat points from lack of use, but this would allow players to have the freedom to change paths down the road without either gimping themselves or having to reroll a new character.