Including the font file to the data that you sell or give to others is one thing. Font license can allow it. Often it's forbidden, because font producers want money from every people who get their font file. Font files contain computer software and giving or selling them to others is a form of software distribution.
Making images and texts which contain letters which are rendered with some font software, for ex. with Adobe Garamond Pro, is another thing. It's running that software. Font license can allow personal usage, but making logos or making something to other people can be forbidden.
There's no automatic connection between "including the font file" and "producing something by running that font software in a graphic program". If producing logos or commercial usage is forbidden, they do not become allowed, if you do not give the font file.
BTW. People are very clever to invent excuses why they need not to pay for something. For example I could easily say "I can use Garamond as I like, because Claude Garamond - the creator of Garamond - has died hundreds of years ago and all his work is in public domain today!"
That's true. I can make my own copies of Claude Garamond's glyphs as long as I draw them by myself after seeing the originals in a museum. But running or distributing software Adobe Garamond Pro is different thing. Copying the glyphs from Adobe Garamond Pro is the same. Copyright laws say that I must obey Adobe's license and pay what Adobe demands.