All the issues you mention, Mikey, will be resolved by government of the RUK (the Rump of the UK) capitulating to every demand from the newly "independent" Scots for "transitional funding and other arrangements". Effectively Scotland will remain a drain on the RUK for many, many years to come. But of course they will retain 100% ownership of the only UK asset they seem not prepared to share - North Sea oil and gas.
The analogy with cancelling a gym membership is not, therefore, entirely appropriate. What would be more apt is to compare Scottish independence with ceasing to pay gym membership subscriptions whilst being allowed to continue to use the facilities for some time. Then the remainder of the members might have something to say, but no such privilege will be afforded to the citizens of RUK.
I said last wekk that I would not be drawn into further questions on this farcical proposal, but I just cannot help myself !!