Wtf, that dress is not black and blue. What are people smoking?
So objectively it is black and blue. Of course, our eyes tricking us about color is hardly anything new... (brown is just orange with context!)
Gist of it is this: The dress is under a harsh sodium lamp, If you spent your formative years around those (a night owl in the years when lots of sodium lights were present), you would pick up the subtle cues in the photo that would tell you that the dress is black and blue. Those with less fun histories lack the ability to pick those cues out, and misidentify as white and gold (me included).