SlickHunter:
I play the Masters room, 10k bet, all I can afford, for now. I forfeit anyway, when I’m matched with an amateur or a hack.
I don't think you need to forfeit. If the other player wants a more even matchup, he or she can choose the lower rooms where tee box is based on your Tier.
In the 10K coin room, they're going to get the hard tees either way. You shouldn't have to sacrifice your coins (especially since it seems you have a limited amount) because the player has bitten off more than he or she can chew. Ideally there would be a 3 Hole room somewhere in between 180 coins or 10k. Something like 3k for lower players would be good.
Also, while the odds are heavily in your favor, you can still get a decent match depending on what holes you get. As long as you don't get one of the super long par 4s, An Amateur still has a shot.