Guess because I'm an actual RL golfer, it feels like there should be an adjustment for great level disparities when the game selects a player for 1-to-1 matches like Chelsea. If it was just coordination, like in RL golf, then I kinda get the current scheme. But a higher level player invariably has access to more credits and significantly better equipment which has a much bigger impact than in RL.
How about the option to decline a game which the disparity is greater than a certain amount depending on the level of the lowest level player. This adjustment should be proportionally decreasing as the lowest level gets higher.
I'm level 45 and have a TM M2 driver and play a level 4 distance ball. A level 98 just hit his ball 320 yards on his drive; I hit mine 264 right on the screws. Makes it somewhat noncompetitive IMHO.