It depends. If the kollel guy is goofing off he is just as much a robber as the guy who spends the day in the office surfing the Web. On the other hand, if the working guy is productive he is building the world. If he does it in EY it is a great mitzva (Chatam Sofer Sukka 35a). There is also the matter of knowing what Hashem wants each one to do. The Netziv says on “what does your Gd ask of you” that Hashem asks different things of different people, communal leaders, talmidei chachamim, baalei battim, etx, and it is almost prohibited for someone in one group to do the job of someone in another group. The Chafetz Chaim likens this to someone who is assigned to one army unit going to another against orders. The biggest avoda is knowing what your avoda is.
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