You guys do realize that the economic arguments you are using for why Scotland should not leave the UK are similar to points made by anti-Free Staters in the 1920s as to why the Irish Free State would be a failure, right?
The Irish Free State was much poorer back then compared to Scotland today. Ireland upon independence didn't have a welfare state, free education or an international banking sector. Scotland has all of that, which makes the picture more complicated.
Again, there are important non-economic reasons for voting for independence. But for the Yes campaign to promise that an independent Scotland will have free higher education and subsidized daycare in 10-15 years is pure fantasy. If Scotland can vote to leave the UK, Scots can also vote with their feet.
Actually it's a pretty common argument here that until the 1960s (if not later) Irish independence was a failure and economic disaster.