I suppose the 'easy' way to solve this would be to have a Normal and an Easy mode. I don't mind losing skill points on death. I try to avoid dying, but I don't actively train my skills either, so skills are gained and lost now and then. Doesn't affect me noticeably since the game seems to be beatable with average stats.

This said. It's obvious that plenty of people want to level their characters in a linear way, and some just die a lot and are frustrated by the skill loss. I wouldn't like to hit a 100p skill ceiling on all skills after a while, but that might be what some people expect out of games nowadays.