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from http://www.worldgolf.com/wglibrary/history/skinsgme.html:
...it all started at St. Andrews centuries ago. Fur traders from other countries would stop at seaport towns and sell furs to the furriers. When they came to St Andrews, instead of going straight into port they would anchor offshore, row in, and play the eleven holes over The Old Course from the sea to the town. To make it interesting, they would meet the furrier at the shore, play in together, and gamble along the way. Since they were both dealing in furs, they would play for those on the basis of who won the hole. They played for 'skins'.
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