If I'm playing a match or stroke game against someone, it would be nice to be able to make a litte wager for credits. Either player should be able to offer the wager and the game should continue regardless if the wager is accepted or declined. And the wager amount should be a nominal amount, maybe no more than 50-100 credits max.
And along those same lines, how about a skins game option where the players ante up credits for skins? Again maybe 50-100 credits max.