The National Bank settled in Maryland, the state, in an attempt of saving their local business, imposed state taxes to the bank for them to leave Maryland. However, McCulloch was against paying this taxes, because of this, Maryland took McCulloch to its state's court, the state of Maryland won. After this decision, the national government appealed the case to the Supreme Court. The court issued two main questions to make their final decision about the case.
Was if the bank was constitutional? Yes it was. Was if the taxes imposed by the state of Maryland were constitutional? No, they were not. 'The Necessary and Proper Clause of the Constitution grants to the Congress implied powers for implementing the Constitution's express powers, and state actions may not impede valid exercises of power by the federal government.' The court dictated that the bank was in its right to operate in the state. This case was a landmark decision by the Supreme Court. Moving on a century later, the powers of the government stated in the Constitution weren't used as much as they can be. What the governors decided during that time were thanks to the public opinion. It was a time were the United States was ruled by the Cooperative Federalism, given grant-in-aid (money from the government to a specific project) to the states, private agencies and universities so they can improve in specific fields of research. In 1930, the Great Depression came into the United States and the world, creating an economic and social crisis. Later on, in 1933 Roosevelt became president of the country and promised a "New Deal" under which the government would intervene to reduce the problems caused by this economic phenomenon. .
Given this points, in my opinion, this type of system helps with the democracy of a nation, it fits with all of the principles of democracy, responsiveness, accountability, transparency and the rights of the people.