1: In the game dir, Hardlife\HLA.xml. Change the value in the StartPoints>50</StartPoints>
2: Not possible, sorry. No I'm not, I hate cheaters
3: Use the Free Commander you got when you installed BSM 1.9 to open up the MAIN.SAV inside your save.azp file. You can start it from the start menu or by the exe in the game dir sub-folder. You need to alter both entries for your character. What I mean is, the stats are in two places in that file.