Absolutely. I can't say AdWords has ever been user friendly, but the average business owner has little chance of turning a profit with AdWords (without training/consultation). Its not rocket science, but there is a definite learning curve.
In the last year I've seen both bids, and average per click payouts from adsense drop significantly. Like halved.
The OP is about divorce. Legal, finance, class action lawsuits. They're all crazy click prices because they're potentially very lucrative.
Managing your own campaign is extremely easy. You don't even have to set bid prices any more if you don't want to.
Here's some data, ending June 2009: http://www.clickz.com/3634374 (Click 'prior month' to get a feel for the trend. A chart would be nice. Some verticals, like mortgages, obviously took a beating.)
Sure, it's easy to set up a campaign and start blindly feeding money in to the Google machine -- but that's a long, long way from effectively managing a campaign.
The problem comes when setting up and managing a small weekly account is as much work (billed hourly) as is being spent on the ads. That's a little difficult to justify and never worth my time to handle.