I wouldn't normally respond to such nonsense, but it irks me that someone else might read this and not know the truth:
1) Alex Salmond was democratically elected by the people of Scotland. How's that Cameron working out for you?
2) HBOS is made up of Bank of Scotland (in Scotland, strangely), and Halifax Building Society (almost all in England). BoS was very profitable, one of the last great retail banks. Halifax on the other hand was massively in debt, toxic nasty debt from overextending mortgages to anyone and everyone. This is why HBOS was bought "outright" by the Lloyds Group (under HM Govt. orders), instead of breaking it up into BoS and Halifax - it would have become clear that the debt was an English one and not a Scottish one, despite the Scottish name. If Scotland had been independent, under international law, we'd have had to account for the assets in Scotland, and their debts; this would have been very little, since Halifax was never that popular in Scotland, and BoS was running a profit. England would have been saddled with massive debts.
3) RBS, bit different, since it was still a Scottish bank. However, again, most of the debt was another part of the company, in this case the Dutch investment group ABN Amro. A lot of the debt was serviced by the Netherlands government, but yah, RBS would have had to be bailed out by Scotland. Fair enough, we'd have the credit rating to support it if we were independent.
I don't mind the notion that Scotland should pay her way after independence, nor do I think we'd have a problem doing so. I do mind the idea that England somehow subsidises Scotland, given that even the somewhat-biased UK Govt. figures (google "GERS 2011") show that Scotland pays more tax per capita than the English do, and on top of that has been running a surplus for several years. Scotland has 8.4% of the UK population, and yet pays 9.4% of the tax, and is responsible for over 10% of the UK's GDP. And all of that is NOT including all the North Sea oil & gas revenues that will become Scotland's post independence. Nor does it account for any taxes raised in Scotland by companies registered in England (such as most banks, shops etc.) , a good example being Tesco's which brings in staggering quantities of money in Scotland, but pays it's tax from London, and so it not accounted for in Scottish figures. Post-independence that will obviously change, so really, when the economic figures are in, Scotland will be a lot richer and better off without having to subsidise London.