@ Argyle and Niara: thank you for the clarification, I never played DnD, therefore my question. In my opinion, because a video game lacks the communication and wide ranged fantasy possibilities to play a char, to interact with companions (real people) and to deal with problems, the urge to build a "well-versed" character is much higher than in a tabletop game. For this reason I'm thankful that you can buy your points, without being able to overdo the stats.
The possibility to increase abilities during the story sounds very promising. You can indeed do this already in the current BG3, although I would never do it because justice has to be done and danger removed. Maybe there will be better chances to earn one or the other point in the further game.
