Many of the UK government's own figures show that Scotland is not heavily subsidised, and is in fact a net contributor to the UK economy. The investment branches of RBS and Bank of Scotland (which is merged with Halifax and therefore as much English as Scottish), which are the bits that failed, are primarily based in the City of London and are international banks which have Scotland in the name. To suggest that Scotland should be solely responsible for their bailout is absurd.
As for Europe, there is no procedure for kicking out a country that is already in Europe; Scotland (and the 'rump UK' that would be left in fact) would be a succession state, not an accession state, and would therefore not be subject to accession rules such as having to have the Euro, etc. When Germany reunited these were the rules that they came under, and it has been confirmed by Brussels that this would be the situation. Sterling is a fully convertible currency, which means Westminster can't prevent Scotland from using it, and there are many countries in financial union (lots of countries use dollars, for example) that aren't in political union. Initially Scotland could keep the pound and then a future elected government (keep in mind that an election would take place within a year or two upon independence, so it's not like it will be SNP's personal kingdom) could make decisions about future currency policy.
I suppose the entire Soviet Union should have voted on whether the former republics should have become independent, and Serbia should have voted on Kosovo. After all, when a couple breaks up, both partners have to agree or they stay together right? It is recognised in international law that countries have a right to self-determination; if Scotland voted yes and the rest of the UK voted no, would Scotland be forced to stay in? That is an absurd and undemocratic situation.
Worried about freedom of movement? As EU succession states, that's not an issue, and the relationship between the UK and Ireland (which was a much more acrimonious 'break-up') shows a template for how things could work in terms of the CTA, free movement and even voting rights.
I am still waiting to hear the so-called positive case for the union. All the unionist arguments seem to fall in two camps: scare-mongering (Scotland is too wee, too poor and too stupid) or sentimental 'isn't the union just so lovely'. It is not the SNP or independence supporters who are arguing the sentimental line; they are putting out facts and figures, calmly answering unionist questions (and often having to counter unionist lies), explaining the benefits, and then having their views ignored and shouted down in most mainstream news outlets, including the allegedly neutral BBC.
Scottish independence is not about being anti-English; it's about being able to run one's own affairs instead of having them managed by a government far away, who doesn't give a crap about you. English people who feel the same are welcome in Scotland. I have a friend whose mother and wife are both English and who spends a lot of time in England, and he is a life-long nationalist because he wants Scotland to be politically independent of Westminster. We already have a separate legal system, education system and NHS. Scotland is better off than a lot of other countries of similar size, even within Europe, even if you buy into the worst projections for what an independent Scotland would be like. If South Sudan can do it, why can't we? Look at the unionist arguments and try replacing Scotland with, say, India, and see if you think anyone would dare to say the same things today about other commonwealth countries. Oh, I suppose there should have been a UK referendum about ending the Raj too, and if the majority had voted to keep it then India should still be British, right?
And now that I've said my piece, I shall be ignoring this thread, because I've read enough condescending unionist crap of the nature of pdf27's ever-so-mature comments that the whole thing gives me a rage headache. I just know that I will be voting yes and hoping that my fellow Scots- meaning people who choose to make their home Scotland, and not just people who are Scottish by birth- will too.