Having spent 10 nights at the same B&B in St. Andrews this summer, I had many conversations with the owner, and some about independence. She said it appeared to be all coming down to the issue of using the pound.
I asked her a question, "Are the issues of England, the same issue confronting Scotland?" Her answer was, "No."
I said, "Then why would you want to keep a government that is more concerned and focused on the issues confronting England than the issues confronting Scotland?" "In my opinion, the smaller the number of people that are governed, the more likely you are to have a government representing the people and a government capable and willing to address the issues of the people."
It is rare, or maybe it has never existed, when a larger government was ever better for the people.
Bigger fairways, not bigger government!