I agree with you that Scotland won't fold under Independence, yet some think that this would be the case.
Now understand what Arun is talking about, I can see the fear there.
Due to the economic importance of Scotland, I highly doubt that the EU would just let Scotland fail and leave it up the UK to pick up the peaces (if Scotland did fail). The EU is becoming too integrated, the ramifications would be too great.
Interesting piece I just read:
http://www.scotsman.com/news/politics/top-stories/independent-scotland-could-join-eu-in-18-months-1-3535302To be quite honest, I'm not quite sure what kind of ramifications there would be if the UK leaves the EU (as Westminster is suggesting), but would Scotland really be worse off being independent and in the EU or with the rest of the UK leaving the EU? Still up in the air though whether the UK leaves or not, of course.