I wish this wasn't so emotive for such a serious issue. Just the lack of plans on behalf of the SNP for a solution to the currency issue is reason enough to vote no today.
Being qualified in economics (which I am) isn't a sufficient condition for pronouncing on this topic. I'm just observing the behaviour of the institutions that will actually make Scottish independence a success or failure and right now, they are getting their positions prepared for it to be unsuccessful.
The banks are talking about a deposit flight, or a run on the banks and making ready for this. The BoE is taking measures to have an interim currency solution which uses sterling until the rUK is clear of risk from retraction from Scotland.
The SNP has been saying that this is their "Gotcha!" moment, that they knew all along a currency union would be available. Eh? This is rUK protecting itself from a Scottish banking crisis prompted by iScotland...
The banks and multinational organisations based in Scotland are overwhelmingly getting ready for a move into rUK or Europe because they not only understand the risks of staying, they know that they themselves are about to create that very risk scenario in the event of a Yes vote. The EU has indicated that entry to the Euro will not be automatic because (a) the EU doesn't want iScotland because rUK would be more likely to vote to leave the EU and (b) it doesn't want to set a precedent for Eurozone entry without meeting the Maastricht criteria or a flood of complaints would pour out from the accession states.
Just by taking these measures these organisations have ensured that the course of iScotland will not be set by it's government and people but by bankers and bureaucrats that really don't give a fig for Scotland.
A Yes vote will put Scotland's future into the hands of muddled nationalist politicians and, which is worse, further into the hands of international bankers than the UK is today. It doesn't matter how clever and talented you are if you're not in charge of your own affairs and Scotland isn't today and, bizarrely, it will be less so if it becomes independent of the UK. All the talk of a more humane and just society is so much hot air if your government doesn't have the financial wherewithal to make any of it real.