I'd like to address all the very intelligent "managers" out there (boy, they are many): applying every skill point to only one attribute just makes the player like his or her manager: Goofy.
I often go to the market looking for a nice deal and when I see a cheap player, I already know what it means: a Goofy.
In the minds of these managers, it makes all the sense of the world that a Forward doesn't need any defensive abilities and so the market is full of 50-50-70 goofy players.
These people are often fanatic for football yet unable to understand crap about Football, but I won't go into those details.
They don't realize that Forwards are the FIRST TRENCH of defence and that these have to be able to TACKLE, MARK, POSITION. HEAD, HANDLE like any other player.
I'm not even going into explaining how DL and DR are a fundamental piece in attacking. Surely these people only know how to scream Messi. They don't notice what Daniel Alves does.
It gives me a good laugh reading why a GK needs attacking attributes. So, is the GK a standing dummy who doesn't know how to kick a ball or dribble an opponent? Yeah, sure, there are many GK like that in real life, they get their managers' hearts going all the time.
So please don't ruin players, just apply the Skill Points automatically if all you know about football is MESSI, BARSALONA, MANCHESTA UNAITE, REAL MEDRI...