Terminus, you have come to the end of the line. You are beginning to rant, so calm down, dearie.
You seem to have all the answers that no one else has:

"There are no immediate issues that will affect Lloyds Banking Group customers either in Scotland or the rest of the UK, particularly as any change in constitutional arrangements are unlikely to come into effect until 2016."

Separately, Barclays said in its own annual report, which was also published on Wednesday, that the referenda on Scottish independence and on UK membership of the European Union, expected before 2017, may affect the group's risk profile.

Note all the "maybes and coulds and possibles" that pundits have been using whereas you are so certain. Your negative wishes are so apparent.