Just use the trainers found in every city to get past that before adventuring. There's no maximum on skill trainings per level in Morrowind, and they are mostly cheap. On my last two playthroughs I didn't start adventuring before level 30-40ish (of course you do so far earlier), just did city quests, focusing on speech, alchemy, mercantile, athletics, acrobatics, until I had a good amount of HP, stamina, gold for equipment and training (and practically unlimited supply of potions due to alchemy).
