The bank liquidity crisis of 2008 would have happened regardless of being in the EU or out.
Completely agree. As could all the other unknown events that might take place in the next 50 years or so.
Hence it is illusory to believe EU membership represents a "stable system with a known growth plan".
It could be argued that membership of a large trading bloc with internal economic levers provides a level of protection against external financial shock. Conversely, political and economic integration reduces an individual member state's ability to be agile and ties it to a 'one size fits all' economic policy.
My own view of what the World might look like over the next 50 years suggests to me that agility is going to be a valuable commodity. More valuable than being tethered to a political union with highly complex political and economic interdependancies with the rest of the world, both at the union and the individual state level.
The value I place on agility is partly based on my perception of how the UK economy reacted to the events of 2007/08 and that not being part of the Euro was beneficial to us. (although next time it might not be, whether in the EU or not)
If we are never going to join the Euro (at least not within a generation or two) then it is valid to question the whole of the UK's commitment and rationale for participation in European integration. (Remainers always remind us of our ability to opt out, but what is the point of being in a club you are always trying to find a way of avoiding getting involved in?)
If the UK had a small population and small economy then the argument to Remain would be stronger. I might have been a Remainer myself.
But the response Cameron got to his "renegotiation" and talk of a "two-speed Europe" is what sealed my vote. The choice needed to be "all in" or "all out".
The Remain campaign was flawed because it was based on "status quo" and not "all in". It desperately clung to that position on issues (e.g. Turkey) that would have been far better handled by demonstrating the positives of expanding the EU to include additional members. Denials that Turkey might join the EU (one day) were ludicrous in the face of facts (it has been a long-term ambition of both parties) and frankly insulting to the people of Turkey that somehow their country
couldn't join the EU.
The reason the Remain campaign stuck so closely to "status quo" is because if it talked about the real opportunities EU membership offers through "all in" it would turn more people to Leave and so lose the vote.
The real "status quo" of the Remain campaign was to perpetuate the tactic in use from the 1970's of not being candid with the British public about what European integration really means. It started with the "Common Market" and continues with "we have a veto".
And it is for that reason when someone says "give me a benefit of leaving the EU" that I'd probably respond with "give me a benefit of having a single defence policy". Having read "But there isn't an EU army" many hundreds of times it's got to the point I don't bother responding. Which you wrongly chose to interpret as "Doesn't have an answer".
Finally, a question to you. What exactly is the subtle difference between "decline" and "refuse"?