Why did many people in the southern states and western territories oppose theformation of the National Bank?

The Western states opposed the national banks because they wanted state access to paper money and loans.

Explanation:

The Southern states opposed the tariff but supported some of the internal improvements. ... The Northern section had the money to fund internal improvements and eventually built roads, railroads, and canals to the West.

Explanation:

The Western states opposed the national banks because they wanted state access to paper money and loans

the anti federalists was a movement that was opposed to the creation of a us federal government. although they were not as organized as the federalists, they also had a large group of leaders, especially in state politics.

the statement "now, in a large extended country, it is impossible to have a representation, possessing the sentiments, and of integrity, to declare the minds of the people” represents the concerns of the anti federalists.

they strongly believed that the federalists were representing the interests of aristocratic elements of society at the expense of the majority of ordinary people, who lived in a rural society.

their fear for the creation of a strong federal government and the president’s power of veto in their opinion would create a tyrannical rule that would dominate the people. they defended the importance of restraining the government’s power towards people at any cost.

an informal structure in a bureaucracy would be something like so-called "office politics". where there's a formal structure set up for the organization, but then an informal subculture as well that has a way of organizing the bureaucracy further. this can be positive because it sets up an added degree of organization, albeit informal, within the bureaucracy.