Just kidding :)
I live and work here, I do understand that the risks are real, but I am also aware that the spirit of the Scottish people has been crushed by the fact that they have not had control over their own destiny. You might be English, in which case this will seem mystifying, but people genuinely do need that control.
People can disagree on individual policies, but this is a meta issue, regardless of where you sit on the usual political spectrum: do we make our own decisions, or allow someone else to do that for us?
I have spent a lot of time interacting and understanding the motivations of No voters. If you are not from the UK, you might be unfamiliar with the UK press, but there is a tremendous bias towards the establishment and they are very good at pressing the right buttons. A complicated system of pensions, benefits and tax credits has created a situation in which most people feel dependent upon the state, despite the fact that everyone is paying substantial amounts right back into the state.
My observation is that the sudden swing towards independence is largely due to an active and highly-motivated grassroots campaign highlighting some of the cruder button-pressing attempts by the No campaign. Voter by voter, they are dispelling fear.