Because civilization requires rules, basically. Rules are made by an entity higher than ourself, so first there were cities, and then those cities unite together in a state. The state is the entity who has the authority to set rules in order to mantain order and peace in the territories under its authority. So, civilization equate state control because without state control we don't have a civilization.
For the most part, banking created a better capital's movement within the European continents. It make it easier for the traders to make their payment and the traders also do not need to bring their payment during the transport and risk getting raided in in the middle of the process
hope this helps
The consequences vary by state but generally speaking, a person being issued with having a fraudulent license will result in either jail, fines or probation.
The United Kingdom is represented by the number 44.