Yeah, the concern was that it'd be too easy to skip past a net 0, between skill, attribute modifiers, and the base TN.
Of course, the people who actually have attributes to gain positive modifiers are rare in the universe, and the system is intended to create exceptional people, not average people. Most any player characters *should* be serious problems right out of the gate, with a high propensity towards natural talent.
It's a game about heroes. Not about joe randoms. If you want to make those, you can, just make sure to drop the starting XP, and invest poorly in attributes.
Paul