That looks like a fairly decent build to me.  Your fighter has enough int that he should be able to build his own magic weapons, enough dex to keep up his weapon skill, and enough quick to avoid double hits even with a few paralysis.  A fighter doesn't really need those points in luck, but I have chars that started out with worse builds that are doing okay for themselves.

There's no way to reassign attributes, but you are able to create 4 chars on an account, so you can make a better build with the knowledge you've gained on your first char.

I don't really fight in the arena, but I know that people usually equip the strongest equipment they can and use a wonderflask to up their hps there, so those fights are meant to be tough.

If you fight on god-mode you will see more level+4 monsters, though there are some levels where even a well-built fighter has trouble with those.  Make sure you have the best armor and weapons for your level and your fighter will be fine.

Yes, I have the best items for my level.
Highest def for armors.
Highest damage ranged weapon magical/vampiric.
Same with smashing weapon.(True, I made all of them but didn't know that I needed the int to make them :D)

I also lost my antiballast! I got before quitting, returning  years after, I died fighting a monster and all my items are gone. Can I get another one by paying another 1million tax?

If you lose your antiballast, you can get another one by transferring another million to the king.  It's happened to me a couple times, and is annoying, but make sure you always buy an insurance after dying to avoid this costly mistake.

And int gives you more mp when you level up, and anything that's built in the mage tower requires mps to build, usually you want 6-8 int on your fighter if he's going to be building his own magic weapons.