It's the same as every other important topic, lobbyists and famous people trying to sway the masses while few people actually work through the process themselves. Some of the yes side talks about walking away from any debt and keeping the entire oil reserve, even though it is unlikely that either of those will happen (eg. they will end up with 30% of the UK debt and will have to buy out 70% of the oil fields value increasing the debt load further.)
Also the currency mess is quite complicated as they either adopt a foreign currency which removes their ability to regulate the economy through a central bank, or they create their own which is a risky investment and therefore costs a lot to get people to buy in.
The biggest problem is the EU. The Yes side seems to assume that entry into the EU is a mere formality that will be easily accomplished. There will be a huge push from member nations as they don't want portions of their countries to attempt the same thing (eg. Catalonia, macedonia, etc.) I doubt Scotland will be able to enter the EU before their debt load is out of control and once it is, the EU won't want them and they still won't be able to enter.
If Scotland splits I can't see how they can survive much longer than 20 years before becoming Greece/Spain.
As someone already said, this is ideology vs common sense. Sure you can stick it to the man and assert your independence, but it is exactly the same thing as being "dead right" on a motorcycle. Just because you have the right of way doesn't mean you will survive to be proud of not backing down.
