If the yes vote prevails then all the Scottish people have to do is nationalise the private banks that remain in their country. Then create a monetary advisory committee within the treasury that will be responsible for the direction that nationalised credit will be issued – speculation or increased GDP. The Bank of England will be totally irrelevant for the nationalised Scottish banks will be supervised by their own lender of last resort the Bank of Scotland. This bank would be able to create Scottish pounds till the cows come home, remember the B of E have created £375 billion plus to bail out the UK banks who have just sat on it. The B of S at the behest of the Scottish treasury would issue Scottish pounds until the GDP grew at a sufficient rate to enable free education, health care, increased pensions and minimum working wage, etc, etc.