Oh, it’s petty cash to be sure. If you have $100-ish bucks to throw around, you probably aren’t going to miss much by not doing this. Unless, of course, letting someone else take even one dollar from you in this way is against your religion or something (i.e. the principle of the thing). Conversely, if you need the handful of dollars this makes, you probably don’t have that kind of walking-around money in the first place.
I think this meme template is a bit like The Aristocrats; many tellings but it’s all the same joke. In this case, I think almost any back-and-forth text would work and would have it’s own “ew” factor, some worse than others.