[quote=@ERode]
So when we level up, do the characters themselves distribute the points, or do we as players do it for them, and it's just treated as 'natural' growth for them? 
[/quote]

Should be the latter part. Natural growth would be the easiest to explain anyways, plus they can assume the gods has something to do with it or something.

[s][i]"Hey, all 500 points were allocated to my luck stat. The gods must hate me."[/i][/s]