Retack
Word of warning, people don't like penalty systems. As it tends to make the system into some weird abomination that makes the MC do stupid things that isn't for his continual survival.
Glad he isn’t joining the Hestia family. Btw Loki is a trickster goddess, so it would be easy to convince her to join if you give her an interesting offer, like don’t update my stats for 6 months and see how much I advance. Also you can merge the 2 systems, you can make it so the fanala gives you a new mana system, and that mana system provides the boost to your physical stats. As a person can lose their stats by getting their level perked. While the leveling system allows him to upgrade his real physical stats. As for mana (the pure stat) they would be shared as you are able to increase mana stat without a fanala if I am not mistaken.