One reason it took so long to have a central bank in the United States is that:

Name: One reason it took so long to have a central bank in the United States is that:
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The fear of centralized power was a major factor that delayed the establishment of a central bank in the United States. Many states were concerned about giving up power and control over their own currencies, and there was a longstanding debate over the balance of power between state and federal governments.

One Reason It Took So Long to Have a Central