Lay the bets on the first tee. Settle up at the bar.
On the first tee, everybody calls their own number — fairways hit, putts sunk, times in the trees. The rest of the fourball backs them or doubts them, and nothing is settled until the bar four hours later.
You score off the people who doubted you, so a bet nobody doubts is worth nothing. Call it too safe and you win nothing; call it too brave and you pay for it all afternoon.
Nine holes or eighteen, two players or sixteen, and the host sets the stakes. Everyone plays on their own phone — no app, no signup. Your first round is free.