Let's face it, Photoshop isn't exactly that easy to learn and use. But yes, once you get the hang of it, it's really the most versatile program I can think of when you want to design things.
But what if you want to digiscrap your own layouts but don't really have the time or patience to learn Photoshop? Well, maybe you should invest and use Scrapbook Factory instead. It is very easy to use, more like a drag and drop thingie actually and it already provides templates and elements (pictures) to use for embellishment in your layouts.