Noooo don't feel dumb, it's never a bad thing to ask for clarification!

Genetic quirks such as albinism and heterochromia are perfectly acceptable traits for your character to have since they occur in reality, so no purchase for those sorts of oddities is necessary. Additionally, since it's generally customary in the animanga world for characters to have hair colors that aren't naturally expressed in our world, it's also fine for characters to have natural hair of any single color.

This shop item is primarily intended for characters who want to have a truly fantastical appearance, such as a werewolf with natural blue swirls in her fur, or unquestionably bizarre natural human hair such as this majestic creature. Hopefully this answers your question, but please don't hesitate to ask if you need further elaboration /o/