It's never been an economic argument for me. The issue is not independence but who makes the decisions at the top. That won't change as things stand with or without independence.
Working people will still be treated like crap no matter who wins. Scotland's problems are not the fault of the union per se but of a political system that has been abused by the ruling elites over the years. Until there is genuine democracy, one where patronage does not exist, then things won't get better.