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Oliver Schick
I suppose you only need to answers to these types of questions if you assume any handover at independence will be as destructive as possible and all attempts at diplomacy will fail.
I assume an operator either commercial or state led will create a secondary debt market for mortgages or the mortgage lenders will just chose to continue to accept their payments in whatever currency is eventually approved and probably pegged to the euro.
Will Westminster stop paying pensions? Maybe a new Scotland won’t accept any portion of uk debt? Maybe we’ll put Trident and all the Scottish based infrastructure on eBay?
It’s telling the questions are what ifs on worst case scenarios.
It’s like you already know that whenever imperialism leaves a place it has to scorch the earth behind it for generations.