I do not think anyone in Yes has thought through the serious economic consequences of an independence vote. Currently the UK runs at a deficit (ie has to borrow to meet its budgetary commitments). Scotland, when taken as a whole, including average estimates of oil, runs at more of a deficit that the UK as a whole. That deficit is financed by borrowing. Currently the UK can borrow fairly cheaply because we have a good credit rating. Scotland alone will be at the mercy of the markets for borrowing so interest rates will be high. The solution is going to be cuts - either to take down the level of borrowing (ie spend less money) or borrowing less (ie, having less money to spend). Either way, the NHS will no longer be protected by the manifesto commitment of the Westminster coalition to maintain NHS spending. Education, Roads, everything - devolved or otherwise - will have to be cut.
Additionally, the UK will go into recession as a whole. This will be expensive for both the UK and Scottish governments as tax receipts will be lower and there will be job losses - so more on benefits.
I do not think people are thinking this through. A Yes vote is a vote for cuts, austerity and hardship on an unimagined scale. But, hey, who cares. They are just the poor, children, the sick, the elderly. As long as Scotland can get its own way, what do they matter?