Sbf, Finland has had years of economic struggle thanks to forced austerity from being on the Euro, they have only recently started to grow again.
I don't think Scotland would be 'singularly inept' a lot of governments are inept at managing their economies, not least the Tory one we've kept in power for 7+ years. I would probably vote for Scottish independence if they pledged their own currency (were I scottish of course!) so I hardly think you're incapable, but without that commitment I probably wouldn't take the risk.