Risk taking is why things change. People like you are why we will never get rid of the Queen, why drugs will never be legal, why we will never have a proportional representation of parliament, never get rid of the house of lords, why the UK will never be a secular country and why will never be able to have an independent Scotland all while the privileged few will still run this country. Shit analogy as well. If your wanting the future of a new country to be as basic as building a house then you will never have the courage to vote yes. Global and national economics is uncertain.