The action by the state of Maryland which led to McCulloch v. Maryland was that it attempted to stop a branch of the Second Bank of the United States from bringing in notes that were not made in Maryland, as they were taxed if they were from out of state. This case led to the necessary and proper clause being used and is one of the most famous Supreme Court cases in the history of the United States.
The reason why the United States economy became more reliant on money in the late 1800's because of the Civil War. The U.S needed to pay for the expenses of transporting soldiers, feeding them, and etc. Going to war is not free, and it is a very hefty price when a country goes to war. Because of this, the United States started to compose what is now called "income tax." The income taxed made citizens pay to help fund the war. After the war, they also needed money to rebuild the South.
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