That's why I like the SDA policies as they state while we may need to go with the pound initially they propose we have our own "merk" and thus have our currency, central bank, stock exchange, etc.
They are also against joining the EU and instead would join EFTA.
The key to all this is that we need to have independence before we can make the decisions on what we do as an Independent country. Voting YES in the referendum doesn't mean we are then an Independent country. It merely starts the process towards becoming one.