Thank you for taking the time to respond. I sympathise with your statements and have some further questions. Which are open to anyone really, but your comments helped shape them. Hoping I get a response to some of it, and sorry if it's old ground.
I think the most vulnerable in society will stand a better chance of having a better life.
Scottish charities, for example, operate separately from English ones. They benefit from Gift Aid, a UK wide initiative, and other things unique to Scotland as well as benefits from being in the UK, such as the ability to fundraise across the UK. Once independence is granted, much of this funding will cease. There are a number of papers on this published by the Institute of Fundraising, where charities are very concerned about their ability to raise sufficient funds to continue their work. I am very concerned that some of the support we are currently able to access for personal reasons will stop.
How then, will an independent Scotland be able to give more provision rather than less?
I do not trust Westminster politicians one little bit.
Very few people do. But then, I don't trust Holyrood either. Different cut of the same cloth. Nasty lot all of them, and not just here. It is the same where I have lived in Europe. But why will this be different? Politicians generally serve one master which is themselves. This is the bit I get stuck on time and time again. I have seen nothing to convince me that the Scottish Executive are, on the whole, not as self serving as their counterparts in Westminster. Who is going to fill this vacuum? Where are the leaders of the future?
The statements about prices going up, banks moving head offices (my bank's head office is in Spain, they can move any time they like if they wish), large company bosses (who mostly don't live here) saying how awful it will be, just don't wash.
I think this is incorrect in that we know change, much of it negative, will happen. It is inevitable. Markets don't like uncertainty and there has been a ton of uncertainty already with even more to come with a yes vote. There will be 18 months before Scotland becomes independent, and it has to in that time sort out currency, taxation and all those other things that have been mentioned. In the meantime, businesses want to make money which they can't do if they don't know what an independent Scotland would look like. Money has been flowing south of the border since a referendum was announced in 2011, with even more of it going offshore. It will get worse. Jobs and redundancies are already being rumored. I know this because I am potentially in the firing line. You could, if you were being cynical about it, even go so far as to assume it is a great opportunity for them to restructure, cut a load of jobs and go south or across to Europe.
Your bank may well stay put. Banks such as RBS and HBOS, which are in part owned by the UK taxpayer, may well have to migrate south. The mess in sorting this alone is huge.
As to cost, oh yes it will be more expensive. You need travel no further than the Netherlands or France to ask people what happened once they adopted the Euro. And it will also be more expensive because it will be more costly for companies to operate in a Scotland that is not part of the EU and not subject to whatever myriad of laws they have to keep trading flowing freely within their borders. Which Scotland won't be in for a while. I have no doubt that it would happen, but it takes an awfully long time to negotiate with the EU!
None of us know what it will be like.
On this we are most definitely in agreement 
I suspect many companies and organisations are on waiting watch depending on the outcome of the vote. But this again is the other major point where I get stuck. So many people are prepared to put their faith into the complete unknown. Mortgages, pay, tax, everything. With no concept of how much it will cost or how much time it will take to get there. In the meantime, there is Scotland as an independent nation outside of the EU, outside of the partnership with the UK. With a population of under 5 million when I thought a good viable population size was 7 million +. Having lived in both Singapore and New Zealand I know the struggle smaller populated nations have. And believe me, both of these lovely countries struggle in ways that can't be seen from the glossy outside marketing.
How do you make it viable? How do you prevent the brain drain? Because of the uncertainty? How do you make it work financially when experts have predicted the cost of just setting up independently is 4bn? Why would you want to enter the EU as a minnow with no clout whatsoever and very little to bring to the bargaining table? And why on earth would anyone want the Euro and the problems that brings? (It can be great, I am a huge fan, but not right now!).
And will taxation, passports, immigration, security, currency, central Bank, pensions, DVLA, energy, transport, all those things we take for granted now but have no current infrastructure, will all of this be done in 18 months? I refer back to my Edinburgh tram!