难度：***
Regulators and researchers are worried that such innovations are making it harder to resist the urge to spend.
it 代指 to resist the urge to spend. 避免头重脚轻。
监管和研究人员担心如此的创新会让控制花钱的（冲动）变得更难。
more then just 不仅仅是，不只是...
This is more then just a job.
He is more than just my leader, he is my mentor.