I am not so sure about how you guys play skins but in my country there are 2 way to do it.
1. Play for holes.
Win one hole, you win 1 skin. Near pin and get a par 1 skin, 1 longest 1 skin, birdie or sandy par 1 skin etc.. water hazard and you get 1 skin penalty...
But if I'm a 14 handicap and play with a +1 handicap he would have to give me one stroke from index 1 to 9 ( 14-1=13, 13*0.7=9.1 so it is from 1 to 9).
2. Play for strokes.
Everyholes if you win by one stroke you get one skin, 2 strokes 2 skins etc
But in the beginning I am get my 13 skins money first if I am play a +1 handicap guy.
This is what Korean guys used to play and we learn from them.
Literally everything above.
But after all skin games favor higher handicaps players I think, and the key here is have the right handicap when playing with players you hardly know hehe