Why did the United States need a stronger central government

Federalists wanted a strong central government. They believed that a strong central government was necessary if the states were going to band together to form a nation. ... Federalists also believed that a strong central government could best protect individual citizens' rights and freedoms.

albany plan of union, 1754. the albany plan of union was a plan to place the british north american colonies under a more centralized government

both are true, the congress does have the power to create banks, even if this power is not specifically described in the constitution, since there is nothing restricting it and there is power given to the congress to make "all laws which shall be necessary and proper". maryland was not allowed to tax a branch of the national bank operating there, and the supreme court decided that no state could. both of these topics were discussed in a decision of the mcculloch v. maryland case in 1819.