A phisher will grab retards, which usually doesn't produce insanely good amounts.
A java drive by will grab retards too, but smarter retards. Only problem is the log viewing, and I would need a FUD java drive by, with a FUD rat/keylogger/stealer.
I'd definitely recommend a Java drive by if you can get a FUD one along with a stable rat with a FUD server. Phishers will typically only infect really dumb people with barely any money in their banks.