EPC has nothing to do with ads or the money you spend on them. It is basically your earnings divided by your clicks.(afaik)
So if you had 1 click that someone spent $100, and another click that someone spent $50, your EPC for just those 2 clicks would br 75.
Usually you're dealing with numbers alot higher, but it means to get it down you need more clicks that receive NO earnings, hence the cheap traffic.
Not sure what network you're using, but ya, 65 does seem high and the last thing you want is to bring any attention to your account at all. Most reviews don't end well for the affiliate.