Instead of blaming these folk for voting NO, we should be trying to persuade them that their final salary pensions would be safe in an independent Scotland. We clearly didn't manage to do that well enough. We need to sort that for the next time round. A lot of these folk can still be persuaded if the argument is put across properly. Continually blaming them just annoys them and makes them dig their heels in.
Anybody who thinks people don't vote based on perceived self interest is kinda missing the point.