The episode begins with the Straw Hat Pirates sailing on the Going Merry after their adventures in Alabasta. They are in high spirits, celebrating their recent victory. However, their joy is short-lived as they encounter a strange island known as Zenny's Island, which is shrouded in mystery and has a peculiar atmosphere.

As they dock, the crew notices a large, dilapidated building that appears to be a bank. They are soon introduced to Zenny, an eccentric old man who is a moneylender. Zenny is depicted as a comical character, with a large, exaggerated mustache and a penchant for flashy clothing. He is immediately interested in the Straw Hats, especially when he learns they are pirates, and he tries to convince them to borrow money from him.

Zenny's personality is revealed to be greedy and manipulative. He shows the crew his collection of gold coins and promises them riches if they agree to take out a loan. However, the crew is skeptical of Zenny's intentions. Luffy, in particular, is uninterested in money and just wants to have fun. Zenny, sensing their reluctance, tries to charm them with tales of wealth and adventure, but the crew remains wary.

As the conversation continues, Zenny reveals his plan to use the Straw Hats to help him recover a large sum of money that he claims was stolen from him. He insists that they can help him retrieve it, and in return, he will reward them handsomely. The crew is torn; while some members are intrigued by the idea of treasure, others are suspicious of Zenny's motives.

The situation escalates when Zenny's true nature is revealed. He has a group of henchmen who are loyal to him, and they begin to surround the Straw Hats. Zenny's demeanor shifts from friendly to threatening as he demands that they comply with his wishes. The crew realizes they are in a precarious situation and must think quickly to escape.

In a moment of tension, Luffy decides to confront Zenny directly. He stands up to the old man, declaring that they will not be intimidated. This bold move surprises both Zenny and his henchmen. The other Straw Hats rally behind Luffy, showing their solidarity and determination to not be swayed by Zenny's manipulations.

A chaotic confrontation ensues as the Straw Hats engage in a battle against Zenny's henchmen. Each crew member showcases their unique abilities: Zoro draws his swords and takes on multiple opponents with his skillful swordsmanship, while Nami uses her weather manipulation to create distractions. Sanji fights with his powerful kicks, and Usopp provides cover with his slingshot.

During the fight, Zenny attempts to escape, but Luffy pursues him. The chase leads them through the bank, where Zenny tries to use various traps and tricks to hinder Luffy. However, Luffy's determination and strength allow him to overcome these obstacles. Eventually, Luffy catches up to Zenny and confronts him once more.

In a final showdown, Luffy delivers a powerful punch that sends Zenny flying, effectively ending the confrontation. The remaining henchmen, seeing their leader defeated, retreat in fear. The Straw Hats emerge victorious, having successfully defended themselves against Zenny's schemes.

After the battle, the crew reflects on the encounter. They realize that Zenny was not only greedy but also manipulative, trying to use them for his own gain. Despite the chaos, the Straw Hats share a moment of camaraderie, laughing off the absurdity of the situation. They decide to leave Zenny's Island behind, continuing their journey in search of new adventures.

As they set sail once more, the crew is filled with a renewed sense of purpose. They are reminded of the importance of their bond and the adventures that lie ahead, ready to face whatever challenges come their way. The episode concludes with the Going Merry sailing into the horizon, leaving Zenny and his schemes far behind.

Zenny, the moneylender, is primarily motivated by his desire to regain his lost wealth and status. He is portrayed as a greedy character who is willing to go to great lengths to achieve his goals, including tricking others into giving him money.

The Straw Hat Pirates, particularly Luffy, are initially amused by Zenny's antics but soon become frustrated with his manipulative behavior. They find themselves caught in his schemes, which leads to a mix of comedic and tense moments as they try to navigate his tricks.

The treasure map serves as a crucial plot device that Zenny uses to lure the Straw Hat Pirates into his schemes. It represents both the allure of adventure and the pitfalls of greed, as Zenny promises riches that ultimately lead to trouble.

Throughout the episode, Zenny's character is revealed to be more than just a greedy moneylender. As the Straw Hats interact with him, they uncover his backstory and the reasons behind his current state, leading to moments of vulnerability that add depth to his character.

The consequences of Zenny's tricks lead to a series of misadventures for the Straw Hat Pirates, including misunderstandings and conflicts with other characters. These events test their camaraderie and resourcefulness, ultimately reinforcing their bond as they work together to overcome the challenges posed by Zenny.

In the episode "How's Tricks? The Designs of Zenny the Moneylender!" from One Piece, there are a few elements that may be considered objectionable or upsetting for children or sensitive viewers:

1. Depictions of Greed and Exploitation: The character Zenny, a moneylender, embodies greed and manipulative behavior, which may present negative moral lessons about financial exploitation.

2. Emotional Distress: Some characters experience emotional turmoil and distress due to their financial situations, which could be upsetting for viewers who relate to those struggles.

3. Physical Comedy and Slapstick: There are moments of slapstick humor that involve characters getting hurt or in precarious situations, which may be alarming to some viewers, especially younger children.

4. Conflict and Tension: The episode features conflicts between characters that may involve shouting or aggressive behavior, which could be unsettling for sensitive viewers.

Overall, while the episode maintains a comedic tone typical of One Piece, these elements may require parental guidance for younger audiences.