If the supreme court had decided differently in gibbons v. ogden or mcculloch v. maryland, what might be one result today?

If the Supreme Court had decided differently in Gibbons V. Ogden or Mcculloch V. Maryland, Maryland may be able to established bank. The McCulloch v. Maryland is one of the most significant cases of the Supreme Court in relation to the federal power. The Supreme Court believed that the Congress has inferred authorities get from Article I, Section 8 or the "Necessary and Proper" clause. It provided the Congress the authority to establish a national bank.