During one of my roughest patches, about eight years ago, when I was returning to golf after not having played for a decade, I discovered a 5 iron off the tee was infinitely preferable to embarrassing and useless slices, skyballs, and pop-ups with a driver (worst of all was this habit of driving the ball straight into the ground a couple of inches in front of where it had been teed up - I have no idea what caused that, and it gives me the horrors just to think about it, years later). Then, for a couple of years, I played quite good golf with my irons, only, and worked on my driver at the range. Once I got confidence back with my driver (part of which seemed to come from finding one that I could work with - a very light Wilson Staff D100), the driver finally went back in my bag. For quite some time before that, I had been hitting my 3 iron off the tee on every par 4 and 5 because it produced a straight, reasonably long drive in the fairway, and the driver just caused misery and lost balls.
I suppose the limited advice I'm offering is this: during rough patches, stick with what you can do. If you know the driver will result in a horrifying slice, hit an iron off the tee. If you know the chip from the fringe will be skulled over the green, just play a Texas wedge, and so on....
I only keep track of how much my opponent $$ shells out at the end of the round.
I've had several friends on a "direct deposit" program for years at my club.
So, I voted for the 'digital' method as I've written my own App just for receiving the right amount of "cash-O'la".....
When new members come looking to take down the Old Guy, I tell them this story.
"Generally when a golfer scores well they have a good day, when they score poorly, they have a bad day.
If they get into my retirement fund, they have a good day, but most often many have very bad days"