When you start reading Jewish history, you start realizing that the accounts dealing with the failure of the nation had to be explained in a way to shift the blame on something that sounded reasonable to persons who believed the Creator and God of all the Universe was working "ONLY" with the nation of Israel. What better explanation than to say, "The people wanted a King so we got in trouble"
It's better than saying, "God didn't really talk to us, the truth of the matter is that Other nations like the Philistines, Assyria, Babylon, etc. were just more powerful and capable than us and that's why we were being beaten by these other nations."
Even today, when people are struck with some type of misfortune, they try to explain it away by saying something like, "We slacked off in our worship, or we sinned and now we are paying the price.
If God was really having a conversation with the Nation of Israel and was working ONLY with them, wouldn't the most powerful and wise Creator in the Whole Universe tell the Nation, "Hey, your wrong in wanting a King, so I will tell you straight out--NO-WAY!
Isn't that what we as parents would do if our 10 year old kid wanted a high speed motorcycle- NO WAY!
Instead of letting him crash and get maimed and then saying, You wanted a motorcycle so that's what you get!