Why did the united states banking system need to be reformed in the early 1900

the option which was not a function of missionaries in the northwest was the first one - they established posts for trading furs and other goods.

missionaries were sent around the world to spread religion and their knowledge and others - they were not merchants who sold furs and other goods.

a big one is

to appoint and regulate officers of the land and naval forces,

which caused much controversy ending the articles