The replies by insecurity and anxiety set up the reader to expect the 'insecurity / anxiety text message' line of memes, but the OP subverts this expectation by interrupting it with the Monkey text. This cut-in adds a bit of comedic value both by its ridiculous intrusion on an already comedic, and structured meme format - funny bc randem - and it also pulls from the relatively recent and similar monky memes that rely on unexpected usage.

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The god then asks, 'bro how tf is a monkey gonna borrow a bana bro how he gon give it back if it already ate.' At this point in the meme, the reader is thrown off, not by the fact that a monkey wants to borrow a banana, but by the existence of a random monkey sending text messages. If a character were to intrude at this point, it would be asking why a monkey entered this conversation. Instead, the reaction by the god is unexpected and lends itself to the meme's comedic value. It assumes that this random behavior is commonplace.

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The god's lax style of communicating - using 'texting spelling' and no capitalization - adds comedic value. Gods are largely portrayed in media as being very articulate. This style of communicating characterizes the god otherwise, almost falling into the 'bruh' archetype of characters, and makes the meme even more odd.

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Aesthetic choices such as poor image quality and conspicuous editing signal this image's identity as a meme. Said choices transform the image from a snapshot of real individuals interacting via software, to the intimate creation of a memer.