I think it's one of those few abstractions in mathematics or programming that has no clear metaphor with the real world.
For that reason, all those articles that attempt to compare monads to burritos fail because a monad is not something that corresponds to human experience.
This seems to confuse many people, because they have the built-in expectation that every abstract concept has a root in something 'real. For instance, monoids (not monads) are things that you can 'smash together', like adding or multiplying numbers, or concatenating lists.
It seems to me that monads are more like quantum mechanics or relativity theory. Any attempt at explaining them using the human experience fails, because they're outside of natural experience.
Like quantum mechanics or relativity, though, they're actually not that hard to understand. (To be fair, I only have high-school understanding of both of these, but as I recall, once you see the formulas, they aren't that hard to understand.)
My experience with teaching monads is exactly that it works best if you dispense with all attempts at making the concept digestible by comparing it to something from the real world.
Instead, I start by explaining functors, which are a little easier to get across. Once people grasp functors, I tell them that monads are just functors that you can 'flatten'. There's no metaphor or simile here - just the 'raw' abstraction.
I also tell people to do some exercises to get familiar with these abstractions, just as it helps looking at the proofs and formulas when trying to understand (basic) quantum mechanics and special relativity theory.
It still typically takes some days (or weeks) of exercises before the concept of functors and monads click for people, but in my experience, the best teaching strategy is to realise that there's no direct metaphor from the real world that helps. Rather, teaching the 'raw' formula makes things easier.
In short, monads are hard to explain because we've yet to identify anything in the human experience that corresponds to this useful abstraction. This is, in my opinion, comparable to quantum mechanics or relativity theory. Our brains are evolved to deal with what we can perceive, and just like we don't perceive picometer-scale things or speeds close to the speed of light, we don't usually experience anything reminiscent of monads.
That doesn't mean that they aren't real, though.