Jerry,
The problem I have with your solution is the arbitrary nature of tee selection and the recording of a proper score for handicap purposes.
If there are 3 to 5 sets of tees, a golfer shouldn't have to craft a combo course.
Tom Doak,
To a degree, handicaps are part of the problem since they act as a "buoy" or "floatation device" with the golfers game.
As the golfer's game deteriorates, his handicap goes up, giving him a false sense of his ability to cope the the tees he's selected because he remains competitive with his peers with his higher handicap.
Our group, who has been playing together for close to 50 years faced this dilema.
Handicaps for some were escalating upward, some reaching 24-26.
For decades, we've had a rule, no more than 1 shot per hole.
The older fellows who were losing distance and those whose handicaps were 20+ wanted to play from the white tees, which we agreed to, but, they didn't want to give up any strokes based on their blue tee handicap.
We finally said, play by the rules the group has established over the last five decades or find a new group.
We have another dilema.
Some in our group have handicaps that don't reflect their ability.
When we play best ball of the foursome, against other foursomes, they'll sometimes take a 5 foot putt for their bogey when a teammate has made a 3 or a 4 or a 5, thus, their handicap is lower than it should be, because their game can't handle the blue tees.
You love them as an opponent, but, it's a dilema when they're your partner.
Golf egos are difficult to deal with because we all feel that we'll play better, not worse, tomorrow.