IMHO it totally depends on the type and complexity of the case. Unfortunately, non-lawyers are sometimes not in the greatest of positions to judge the type and complexity of the case. I’ve spent most of my career in the legal field, (both as a court interpreter and as a paralegal; IANAL), and a) there are some really mindless and straightforward things that people pay lawyers lots of money to handle for them; and b) there are some really sleazy and incompetent lawyers out there.
One small example: lawyer does not show up, or even call, on the day of his clients’ political asylum hearing, despite previous continuances granted and despite solid information supporting merits of case. On day of hearing, judge decides to go ahead anyway and conduct hearing with people in deportation proceedings appearing pro se (at least they had the sense to show up). Judge grants them quite a lot of leeway in questioning, drawing out information pertinent to case probably 100 times better than their own attorney would have done (I’ve seen this lawyer in action numerous times, and in addition to being an unethical, money-grubbing sleazeball, he is an idiot. It’s really a miracle he hasn’t been disbarred).
As judge is about to issue oral decision granting political asylum, lawyer shows up (nearly 4 hours late). Judge instructs Eva Luna, Interpreter, to go out in the hallway and keep Sleazeball from coming in, because Judge doesn’t want asylees to have to pay for services that were not rendered. Judge grants asylum; everyone except Sleazeball lives happily ever after.
Also, I’ve been dealing with a landlord/tenant issue on my own, and believe me, my landlord’s attorney is either so incompetent or so manipulative (depending on how charitable you want to be regarding his motives) that at this point I would not hesitate to appear pro se* in Housing Court if it were necessary. I figure if I got in over my head, I could ask for a continuance; I’ve never known a judge who wouldn’t grant someone appearing pro se a short continuance to hire an attorney.
On the other hand, I’ve seen people appearing * pro se* do some unbelievably stupid things, like dilly-dally and/or piss off the judge. If your case is complex, and/or the consequences are large (prison sentences, complex deportation matters), hire a lawyer if you can at all afford it, and talk to your local nonprofit legal services agency if you can’t. Even if Legal Services won’t represent you, they usually have a list of reputable people to refer you to, which is a whole lot better than picking a lawyer out of the Yellow Pages.