Why was the united states one of the last major industrialized countries to have a central bank loading...​?

a. agricultural and other u.s. interests were suspicious of centralized power and opposed the creation of a central bank.

b. most felt that a central bank was not necessary as long as the united states operated on a gold or silver standard.

c. the banking lobby always opposed the creation of a central bank and its potential to diminish the profits of the banking industry.

d. attempts to create a central bank in the past​ (for example, the first or second bank of the united​ states) resulted in total failure?