In the end the assets and liabilities of Scotland would be calculated under UN guidance, so it would be an independent figure. The dangerous fiction pedalled by SNP (as on BBC's "Hard Talk" a few minutes ago) would be shown to be the utter rubbish it is. SNP shows deep contempt for the people of Scotland in telling their lies.
The RBS and Lloyds/HBOS liability alone is £37bn, both registered in Edinburgh. This is about £600 for every citizen of the UK - and roughly ten times that for every citizen of Scotland if the whole debt is carried by Scotland, as it would be if Scotland goes its own way. Scotland would also have a proportional share of most UK debts.
North Sea oil and gas are running out, whatever proportion might attach to Scotland (and it is not all that much). Atlantic fishing is not a major earner. I would love to think there might be Atlantic oil around Rockall, but if there is, exploitation is decades in the future. Scotland has industry and resources, but not anything like as great as SNP are claiming. By contrast the biggest single asset of the UK is the City of London - the square mile contributes about 12% of the UK GDP.
If the UN draw up a balance sheet for Scotland it will demonstrate that independence is scarcely possible. Were Scotland to go its own way it would immediately be in the hands of the IMF. A pound Scots decoupled from sterling would fall sharply. There would be an austerity programme, at least as great as Ireland's 12% cut in public sector spending. There would be tax hikes. Basically it is too ghastly, and just won't happen.
I do feel that the Scottish people have an absolute right to self determination. But they would be making the decision on the basis of figures produced by the UN and would be voting for a sharp drop in living standards. It just won't happen.
PS - bluntly Asby de la Zouch has more chance of independence.