In response to fangirl - Scotland leaving the UK is a different situation to the UK leaving the EU.
In the latter case, the state is making a choice to leave a club and therefore the benefits of that club that it previously enjoyed. In the former case, Scotland is choosing to leave a union in which it co-owns the assets.
I suppose Westminster could indeed choose to be particularly awkward but I don't think that there would be a cliff edge. By that argument, Ireland or India shouldn't have become independent because they didn't know the terms of the final deal 
The Scottish banks could withdraw the collateral they lodge with the Bank of England (which despite its name is not English but is the central bank for the UK) in order to be allowed to print their own money (the apocryphal "million pound notes" 
) - which would probably cause a run on the pound, but is in no-one's benefit.
Personally, I think that it would be best if independence were voted for 60:40 in favour. On a 85% turnout (like last time), that would still be a majority of the electorate unlike the result of the EU Campaign I've heard Nicola saying that she would rather not go into another Indyref campaign until the polls were suggesting 60:40 support for independence (but there again, I suspect she might be bumped into it by events).
However, as an alternative example, Malta only voted in favour of independence by 54% (not that long after voting in favour of joining the UK properly - although the result was influenced by a campaign to boycott it). There were dire predictions about how Malta could never survive on its own. It's had its problems (mostly political) since then but I don't see a clamour within Malta to give up its independence 
Francine as ever is doing a wonderful job demonstrating why many people want independence. His or her gratuitous insults do the Unionist cause no favours.