If your talking about really working, or really learning, of course learning is harder. If your talking about guy who sit in kollel, and learn some, n shmooze some, that is not called learning full time.
I’m not sure it called learning at all.
There is no Yetzer hora not work and make money, on the contrary.
There is, however, a big Yetzer Hora not to learn and Shteig, especially one that has the guy hide in Beis Medrash not really learning, just Batteling away. If a guy isn’t learning it is not only better for him to go work he is required to do so.