You say that the leveling system is worthless, but I'm really not sure how.
I wasn't being very careful about where I spent my points, I still wound up with enough points to do everything I wanted, and the game DID wind up being too easy (I switched to hard difficulty, and it was still a breeze).
I guess you're having trouble, but there have been multiple threads asking for a harder difficulty, and the general consensus is that the game becomes too easy later on. Are you playing on Easy? Because if you're not playing on Easy, and you think the game is too hard, then I think maybe you should switch difficulties.
The game wasn't particularly difficult, I just couldn't do things the way I wanted 99% of the time....like when I wanted to craft something or sneak somewhere or whatever. And why would anyone want to have a more difficult time? To repeat the same battles and conversations over and over and overall just waste my fucking time? Don't upgrade your starting gear at all and play with an all melee party....there you go, problem solved. Or better yet, just fucking save and load again. I really don't have the time or the fucking patience for that bullshit. Want a hard time? Or just go find your local gangs and piss them off until they hand you a few beatings that should increase the difficulty settings for walking down the street.....what's that? You're not going to do it? But it's too fucking easy to just go to the store, the consensus says it's too easy. If any kid of mine ever asks for something to be harder he'd get the beating of a fucking lifetime.