Even when the oil industry wasn't in the doldrums the figures still didn't stack up and yet people voted for independence.
We're all going to be fine because it will come from Nicola's magic money tree. 
People will still vote for it as it's sold as an ideology and all things are possible. It's actually in the SNPs best interests to make people feel that they are hard done by even when it is already within their power to make things better. Keep people disgruntled, blame it on Westminster and bingo, a ready made voting force.
All things are possible but people will have to pay more to get them. The voters just think it won't be them, it'll be those rich folk. forgetting of course that the rich folk are the ones more able to just up sticks and move saying sack this shit and the poor at the bottom are generally less able to do that.
Yes as a nation, individually we may contribute more in taxes per head than average, however we also spend above our means and whilst we are still doing that then the books just wont balance irrespective of the oil situation. All that has done is make it worse.
people keep comparing us to Denmark but we aren't Denmark, we have vast areas that require services provided where there is not the density of population to justify it, but you cant just decide it's too dear to provide a health care system or Refuse system in the North West Highlands or islands. People in general here want more but aren't prepared to pay for it either.
I have no doubt that there are a lot of hardworking, bright people in Scotland contributing well to the Scottish economy but we also have a lot of people to carry who all have an expectation that under independence "things" will be better. I'm not denying there are people here living on the breadline, but for the majority in this country life isn't actually too bad is it? And if all those for whom life isn't actually too bad contributed a bit more (using the powers that already exist) then life for those on the bread line could be "not too bad" either.