Here's a general question about stats...in several versions of D&D: Why does the game have a scale of 3-18, or so, but almost all characters use the higher half?
Think about it. Even the NPCs rarely have a stat lower than 8. Stats 1-10* (or 3-10) are hardly ever used. Why have them? For monsters?
*10 is used quite a bit, with the occasional 8 or 9 popping up. But, it's a rare bird that sports a 7, or lower, stat.
EDIT: Maybe I should say: Stats 12-18 are used all the time while it is very rare to see a character with a stat in the 1-7 range.
Because a stat distribution of 3-18 is too wide to actually use, and it's based on a now out-of-date (IMO) rolling scheme. I doubt you can find a functional adventurer with Int equivalent of 3. (Incidentally, I don't assume IQ = Int/10, using only half the spread. So a human with an Int of 8 would have an IQ of 95, 6 would have 90, 4 would have 80 and 3 would have 75.) Still, a 75 is entering retarded territory. 70 or below is regarded as retarded. Using the same scale, a character with Int 18+ would be considered gifted and have an IQ of 140+ (very smart, but not incomprehensible like a TV genius).
(I've once seen a human NPC with an Int of 5 (in a d20 Modern game), and he was described as being autistic. Since he was a villain, in the sense that he was working with his average Intelligence elder brother, I decided to skip that encounter.)
A character with a Strength of 3 probably couldn't handle a bag of groceries (or it'd be a heavy load for them), so they'd be functionally disabled. Check their carrying capacity
every encounter. A character with a Dex of 3 would always look like they're drunk or need a cane to walk, a character with a Con of 3 would always be sick, suffering from chills, sneezing from allergies, have a dread fear of bleeding due to hemophilia, etc (inflict additional penalties!), and I don't really know what Wis or Cha 3 means, but I suspect in the latter the character would be so cripplingly shy they'd be essentially mute, preferring to draw pictures to express themselves. No wonder they're adventuring; there's no interviews to go through. (Or like a hysterical female half-orc who I read about, who hit on
every remotely attractive male she encountered and accidentally intimidated the lot of them!)
The above would be non-metagame penalties (except for Con, I suspect) but that's on top of the penalties for having hideously low stats.