How has McCulloch vs. Maryland impact America's lives today?

The case of McCulloch v. Maryland was over an issue of states' rights vs the rights of government. The state of Maryland wanted to tax the federal bank because they believed it was unconstitutional. However, the verdict of the case imposed the "necessary and proper" clause which gave the federal government power to make laws which weren't specified in the Constitution, but generally thought of as needed and lawful.