Because they were trying to revise the articles of confederation. And people like Alexander Hamilton despised the articles of confederation.
The development of banking during commercial revolution in western Europe was significant because it allowed for the creation of private and public credit--meaning that much larger ventures could be started due to an increase of capital, which allowed people to take bigger risks.
It was the "B. Plebeians" who made up the majority of the roman population and became citizen-soldiers during the time of war, since these were the "common" people as opposed to the elite.
In general, history is the recorded story of the interaction between "ideas" "people" and "patterns", since it is the way in which people act and make decisions that influences their collective history.
