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Accusing the SNP of "not being straight with the people of Scotland", Mr Carmichael, whose wife Kate is from Bath, is concentrating on what a No vote could do to the rest of the UK.
Last week, economists at Morgan Stanley concluded that sterling would lose 10 per cent of its value if Scotland goes it alone.
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Debt as a percentage of the UK's gross domestic product could rise from 78 per cent to 86 per cent should Edinburgh and Westminster fail to reach a deal on how to share that financial burden.
The SNP has seized on research from the University of Glasgow, where Mr Carmichael briefly studied, that Scotland would, at a stroke, become the 14th richest country on earth."Both sides lose," argues Mr Carmichael, who was a hotelier and then a lawyer before becoming an MP.