It's because it's set to the HCP of the course,instead of setting sliders to set AI.Everybody is at a different level at this game so limiting it to the HCP of the course makes it unplayable to average players i feel.
To me one of the worst things about it,you leading by 6-8 going into round 4,and you tee off,and there is 50-60 AI yet to tee off,Really spoils it for me.