The learning multiplier should never go below 0.5, ideally would be 1 at the lowest. I understand the concept with the way it's done now, like your character has a maximum "potential" they can reach, without adding focus or adding stats. But no matter how much or little natural talent or affinity a person has with something, as long as they keep practicing a skill they will get better
The system needs balance, I've already seen a mod that gives you a stat point every level up rather than every 3.
Quick math:
60 total stats * 3 levels = Level 180 to have max(10?? idk) stats if started from all 0's
15 * 6 focus points = Level 90 to have max focus in all skills
Here is my suggestion:
Provide alternate ways to level up other than just pure skilling
Balance stat gain and focus gain so you can end up with a max character at max level
Character creation sets your character to X level depending on stats + focus so that you can end up at level X with max stats and focus
You never want to take away from players in game design, only give to them