As for the 'fruit' being on the tree, it's exactly what our Man in New York, Mike, has said. :D
As for 'the money' being in/on the tree, I agree with 1.; I agree with 2. The monkey is playing inside the foliage (the leaves). The leaves form a 3D enclosed space, as Mike has mentioned. As for 3, the monkey is jumping on top of the tree
branches or on top of
the highest tree branch. I like 4. :D
All the best,