Simon,
Rather than posting massive screeds of cut-n-paste text and expecting everyone to read through it to find the bits that demonstrate your point, perhaps you could make your point by yourself and extract those bits of text that are relevant as quotes; if you think an article is of interest in its entirety, feel free to link to to it.
I think it is naive to believe that there is any such thing as "never" in politics, so whatever you or they say now, I am quite sure that if presented with a vote for independence the respective governments would come to some compromises.
Before the fact people will talk in hard facts about stuff they cannot really make categorical statements about, in the hope that nobody picks them up on it. For example:
11. Banking
The more than 40 million non-Scots with accounts at banks registered in Scotland face two major worries.
The biggest worry here being that whether or not you're a Scot has little to do with this point - it's where you live that counts
Firstly, in the event of another banking crisis, would the Scottish economy be sufficiently strong to rescue and safeguard their cash? But these customers would also no longer have access to the UK financial ombudsman system. In time, Scotland would be expected to establish its own financial ombudsman, but it could operate quite differently and English consumers – and their MPs – would have no political influence over it.
The banking crisis comment is mixed up. The economy could no doubt afford to pay out on the deposit guarantee scheme - "safeguarding their cash" - but that wouldn't really help if the bank goes bust, because it will take too many assets and businesses down with it. So the question should be can the central bank bail out all banks in its jurisdiction with no lost deposits ... I would say the answer is no, whether in UK, rUK or Scotland.
Who says that the banks won't simply remain part of the UK scheme and be treated as foreign banks by Scotland? In due course the banks could open up subsidiaries in Scotland that were part of whatever regulatory framework Scotland invents, and perhaps they would eventually insist on customers resident in Scotland moving their accounts to these new subsidiaries.
Finally, any "English" consumer (presumably she means any consumer residing in rUK, but hey, English is close enough
) would not be bound to keep their money in a Scotch bank - if they had any concerns, they could simply move their money to an "English" bank. In fact I would bet that part of the existing regulatory framework precludes a UK bank from moving customer accounts out of the UK without explicit customer agreement.
Oh, and of course at least one of the two banks she is referring to is owned by the UK tax payer ...
Cheers,
Robin
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