Ah that's pretty high but it's not abnormal in a Persona game for those NPCs to show up before you're expected to actually be able to fulfill conditions to talk to them. It's a way of telling you to raise those attributes.There's one you get around then (I can't remember when you can first do it) that requires what appears to be Guts 4. I've got 3 now (after the 2nd palace) and I still can't talk to him.