[Wayne]

I like the idea of adding more dice for unskilled use and for extra difficulty.
To cope with attribute abuse you could do something like ‘an unskilled figure must roll against the appropriate attribute or 14, whichever is less’.
That way the IQ 20 wizard only has IQ 14 for talents she’s not skilled in.
It’s possible this already exists my memory of TFT is a bit hazy.