Why not make it so you can only set your stats to the levels you've gained normally? So if you start a new account you need to level up to 99 attack and then you can set your attack level to whatever stat you want with no penalty.
Originally Posted by Kevlon
Yeah Palidino mentioned something along the lines of this
That should indeed be the best idea. Make you always have to train levels up yourself and add setting levels only possible upto the levels you have 'unlocked' by training them.