Ok, thanks, I'll continue in the hope that it's possible that there can be difference of opinion or sharing of perspectives without shutting down the conversation:
I get that it's easier from an administrative standpoint to continue with the institutions as we have them, so there's some dispute about the extent to which it would be an additional expense in an independent Scotland to set up/transfer existing institutions... however, what I'm wondering is that even the most risk averse of us must be a little bit scared about what happens if we don't rethink how the UK does business.
I'm struggling to see how we can continue to exist in a global market, where other countries can offer cheaper labour. Won't the long term impact of that be that jobs get fewer and fewer and pay less and less, unless something is done to develop domestic production and consumption so that we have less reliance on imports, at the same time as investing to develop better UK exports. It seems to me that most of foreign 'investment' is in the form of asset stripping, INEOS for example are running a massive profit but are cutting jobs and wages.
I'm not a macroeconomist so would appreciate input from those who are. I know the IMF are now saying that austerity doesn't work, yet all the parties are signed up to austerity except the Greens and the SNP. We know that the entirety of the UK growth is down to the London property market, and asset bubbles burst... so it appears that our economic policy favours investment in the form of speculation, instead of investment in the form of industrial development. We are very firmly headed in a direction of travel that is going to increase the reliance of the entire economy on the banking sector. Banking sector crashes come in 9 year cycles, so we've probably got about 5 years to reform the system so that we don't have a rerun (or worse?) of the 1998 crash. But I don't see any plans from the UK government to do this (are there plans that I've missed?)
Why isn't there a will to reform this now?
Who benefits from not reforming?
Wouldn't there be massive income gains for the UK if we also reformed the tax system? Progressive taxation on sales as opposed to corporation tax would ensure that companies like Amazon would be paying into the UK economy - money that could be invested in infrastructure which would then stimulate innovation and encourage competitiveness and quality of exports. On a global platform, the UK isn't competitive as a labour market, but we are valuable as a consumer market - so what is standing in the way of reforming taxation so that the UK gains from the fact that global corps want to sell here.
Argh... sorry if questions are a little all over the place, trying to type with a small person rubbing marmite hands all over my head... Not ideal for forming coherent thoughts :)