Hi
The USB operation requires a high resolution 48MHz clock (< 0.25% or 2'500ppm). Although it is possible to generate this from the 8MHz RC oscillator it will only be approximate and usually outside fo the USB tolerance specification, meaning that it either won't work or will work only unreliably.
Designs requiring USB therefore need an accurate clock source - usually a clock or a quarz (for the main oscillator or on the USB clock input - for chips with this option). The only exception is if the RC oscillator can be tuned to obtain an accurate enough clock but this will probably only be accurate at a stable temperature and so is only really an option for experimental work, such as a school project where only one device needs to work in a controlled environment. For anything that will go into production it would however be begging for big (technical and subsequnt financial) problems ;-)
Regards
Mark