I totally think that a MEME is a form of art. Even though that everything in it is totally created by you, like the picture. You are still putting this pieces together. In my opinion a MEME is not just a picture with a writing on it. It needs to relate to an audience the picture needs to have a reference and the writing for the most part has to be funny or deliver a message. To learn more about MEMES and where and how they started read this wikipedia post.
This is the MEME I created. I personally use MEMES while talking to my girlfriend all the time, I think is fun and it keeps the conversation interesting, I feel like we are always looking for the next MEME to send.