Murraymints, the Bank of England is just a name; it's actually the Bank of the UK! (Indeed, it was virtually invented by a Jock!) Any reserves within it belong to ALL of the constituent parts of that union. If Scotland does ever become independent, it will automatically be entitled to a share of these and any other assets on, one presumes, a population-related basis.
There are all sorts of other aspects that we share. For example, government buildings belong to the UK government, not some presumptive English government, so if the rump UK after Scottish independence wished to go on using them, they'd need to "buy us out", as it were. Conversely, we would have to pay our share of any debts....but only if we got our dues, of course!
You miss the point about whisky, oil etc. Yes, companies involved in producing these things get profit from them, but the key fact is that the TAX revenues owed by these companies would be paid into a Scottish Treasury, NOT a UK one, since the last remaining truly productive areas of the North Sea would be in the sea area in Scotland's control.
You may also have overlooked the fact that North Atlantic rather than North Sea oil exploration is likely to be a much greater money-earner eventually and such exploration is already well under way. It's worth noting that the Rump UK has no coast adjoining the North Atlantic and, therefore, no claim whatsoever on its potential bounty!
How much oil or whisky has Malta got...or Slovakia...or Slovenia? There are quite a few small countries in the EU, never mind the wider world, that are independent and managing their own affairs successfully without oil OR whisky. Where do you get the absurd idea that Scotland, uniquely amongst them, would be incapable of doing likewise? You ARE a Scot, aren't you?
I could go on, too!!