Independent Means?

Apparently, the preferred term is "unofficial". An independent Scotland would use the pound sterling "unofficially". 

The average age in Scotland is 40, and the average income is 100 per cent of the United Kingdom average. That middle-aged and middle-class society is to be invited to put its mortgages and its pension schemes into an unofficial currency. We can all guess what its answer is going to be. For the second time. 

As for joining the euro, in 2011 the Irish Budget was subject to a full parliamentary debate in Berlin before anyone in Dublin had seen it. Where was the independence there?

The SNP envisages that monetary policy would be set in either London or Frankfurt, that foreign and defence policy would largely be set in Washington, and that trade policy, among very much else, would be set in Brussels. Where would be the independence in any of that?