"Perhaps a decade on from the dramatic events of the banking collapse, the authors of the GC have come to view the 2008 crisis as an item of history. But for the millions of Scots who will vote on a future Scottish economic prospectus, the crisis is a daily lived reality. A reality of private debt and an inaccessible housing market, of jobs that don't pay and pay-day lenders who do. As the private debt pile builds up again, with the Bank of England warning it is already returning to dangerous levels as it runs well ahead of stagnant wages, the shallow debt-fuelled recovery from the last crisis sows the seeds for the next one. But the Growth Commission appears to be looking the other way. "