There's a few things to point out here, one most fruits as we know them produce much more fruit to seed ratio than their wild relatives. So the 'natural' investment isn't like what you'd see in the grocery store. You may have known that already I just felt it necessary to point out. Also pollen is part of the fertilization phase, as a pollen producing plant can often also produce a fruit.

The rest is just speculation on my part, so take it for what its worth. Being disbursed by animals rather than say wind or just dropping to the ground has a few benefits over the former. With fleshy fruits where the animal swallows the seeds and eventually passes them, the seeds pass along with the fecal matter which I'd imagine would be a good high nitrate fertilizer, plus another seed eating animal such as a squirrel or bird would be less likely to go picking through feces for a meal. Only humans do that, what with their high priced monkey poo coffee beans (yeah I'm sure a few other animals do to). Even when the animal actually eats he seeds, in the case of squirrels, they tend to bury a lot more acorns than they actually eat, thus the seed become buried in the ground where if not found again by the squirrels it can germinate.

Animals can travel far and aren't hampered by which direction the wind happens to be blowing in, so there's always the benefit of that. Plus some of the seeds in fruits are a bit larger, which would have a harder time traveling on the wind. A larger seed generally means more nutrients for the potential plant to draw on.

Also evolution isn't always what seems the most logical, it's what develops and what works. So it not like some ancient not quite apple trees were sitting around and decided fruit was the way to go, it was a trait that developed, it worked and so now many happy animals have delicious apples to snack on. It's actually a fairly common occurrence in nature, two or more different methods for dealing with the same problem develop. Mammals have bear live young, birds have eggs, both have their draw backs both have their advantages, and both seem to work as of this point in time.

Anyways that's what I got, hope I was at least somewhat insightful.