Just go through the points RCol has taken the time to make...
RCol said: You are falling into the same trap as many others, by believing that the Country will fall apart if we leave. You even say that "hospitals will close". Most of those "experts" who urge us to stay have been wrong on many, many previous occasions, including the Euro and the exchange rate mechanism.
I say: It's not my personal opinion. It's from informed experts who are right more often than they are wrong and nearly always right when it's bleeding obvious. They can't all be wrong about this.
RCol said: Yes, the pound is falling through uncertainty, but it will recover. It always has.
I say: The dollar rate used to be 4USD to 1UKP. Looks like it still hasn't recovered yet. I expect it to reach a new, stable lower value.
RCol said: A weaker pound can also help some businesses.
I say: True. Our exports will be cheaper. Exports to the EU will then be subject to tariffs making them more expensive for EU customers. We import far more than we export, so a weaker pound will mean those imports, and prices in the shops, will be higher. Our overall Balance of Payments will be worse. That means less money to spend on pubic services.
RCol said: Lower house prices would also be a good thing.
I say: In general, yes. Houses will be cheaper to buy. Unfortunately, the interest rate rise we will need to make in order for Sterling to be more attractive will mean mortgages to buy them will be more expensive. Which is fine if you're rich and don't need a loan to buy a property. Your interest from savings will go up. Investment loans for business growth and exports would also become more expensive.
RCol said: Not wanting too many immigrants because of the fear of over-crowding essential services IS NOT RACIST.
I say: Agree totally. I just believe shutting our borders to uncontrolled immigration by leaving the EU is the wrong solution to the problem. UK government(s) could have dealt better with this if they had wanted to and believed there were votes in it. They could have planned for this rather more than they have, but they didn't and encourage you to believe it is just too difficult. Crap. The EU is the whipping boy here for their failure. Don't swallow it. Ask more of them from now on.
RCol said: My main point is independence and sovereignty, but immigration is also part of it for me.
I say: There is no such thing as independence and sovereignty any more in the way it's being sold to "Leavers" by the Brexit campaign. It's a lie. An attractive concept, yes, but a lie. All countries are interdependent now. If we leave the EU, we will have to pay their tariffs when we sell to them yet still obey its trading and freedom of movement regulations. We are not self sufficient in the UK for raw materials, food or manufactured goods. That's not me talking us down, it's recognising reality. Most countries are in the same boat or starving their populations (Hi, independent North Korea).
RCol said: Lastly, there is no way we can effect the EU or their final end-game of a united states of Europe. Look how pathetic Cameron's recent negotiations were. Vote to remain and our masters will take that as our approval of everything they want to do.
I say: Cameron has been poor regarding the EU - and much else IMHO. We can, however, stay in the EU and stay out of ever closer union if we wish to. If we do end up remaining and avoid the economic disaster I believe would follow a "Leave" vote, then why not contact your MP in a weeks or so and make it clear that your vote for them (feel free to lie if you didn't vote for them) will vanish in 2020 if we don't start reforming the EU so it improves accountability and responsiveness.