We take two samples from $Z$ of size $n_1$ and $n_2$ and take the difference of the mean of these samples.
Both should have the same expected value, so the mean is zero.
But what is the variance of this difference?
We take two samples from $Z$ of size $n_1$ and $n_2$ and take the difference of the mean of these samples.
Both should have the same expected value, so the mean is zero.
But what is the variance of this difference?
Your answer in the comments is correct. The variance of the difference is the sum of the individual variances. Why shouldn't it be larger than either one? If you add two normal variables with unit variance, you get a variable with variance greater than one.
Assume without loss of generality that the underlying distribution is centered and has variance $\sigma^2$, then one asks for the variance of $$ U=\sum_{k=1}^{n_1}\frac{Z_k}{n_1}+\sum_{k=1}^{n_2}\frac{-Z'_k}{n_2}, $$ where the random variables $Z_k$ and $Z'_k$ are independent and centered with variance $\sigma^2$. Thus $U$ is the sum of $n_1+n_2$ independent centered random variables, with variance either $\sigma^2/n_1^2$ for the $n_1$ first ones, or $\sigma^2/n_2^2$ for the $n_2$ last ones. Hence, $$ \mathrm{var}(U)=n_1\frac{\sigma^2}{n_1^2}+n_2\frac{\sigma^2}{n_2^2}=\left(\frac1{n_1}+\frac1{n_2}\right)\,\sigma^2. $$