Ooh, look, you wedged in a reference to my (afayk) whiteness in the middle of your ad hominem about my "miniscule life experience" which, as you are forced to concede, dwarfs your own in this matter.
This lady is a self-proclaimed swim coach. She is not a USA Swimming certified coach: much less the head coach of a USA club. I was when I still coached. Notice that she's 30-years-old, but she's been a swim coach for 16 years? So this lady has been a "coach" since she was 14. That isn't even old enough to be an accredited head coach.
I was also an 3x Academic All-American, and a 3x NSCIF Section Champion. Yes, your hair will get wet (not entirely), but that isn't the purpose of a swim cap. It's just a bonus. The primary purpose of a swim cap for competitive swimmers is to reduce drag.
This is why swimmers wash their hair after practice. It's not rocket science. There are also plenty of products for female swimmers who wish to mitigate any chlorine damage to their hair.
Young white kids with extremely fair hair who are competitive swimmers often develop a green tint in their hair. My own younger brother had such a bad case of this that it shows up in pictures (it's much easier to see in person than in pictures, especially with older and less sophisticated cameras). Our hair isn't magically resistant to chlorine damage, either. In fact, those with finer hair tend to be more susceptible to damage due to reduced volume-to-surface-area.
You know what swimmers use to apply swim caps more easily, and to help soak up any excess moisture that sneaks into the cap? Baby powder.
Yeah, I've put you in a tough position, alright; one where you are forced to swallow your ignorance.