system
A chat on subreddit /r/NoStupidQuestions
human
Multiple layers to it. 

* Locs are nearly impossible for white hair to produce naturally. The reason textured hair can manage it is because of the specific way it’s textured. If your hair doesn’t have those tight, kinky curls, you can’t really naturally create locs in your hair. 

* Creating and fostering locs in non-textured hair is frequently through creating matted hair instead. Matted hair cannot be washed without promoting mold growth, as it’s so densely knotted and, well, matted, that adequate airflow cannot happen to dry your hair. Textured hair doesn’t have this issue. If you’re cool with uneven, moldy matted hair that vaguely looks like locs, then cool. You do you. 

* On a social level, rather than physical level, you’re gonna be a bit of an ass. Stoner “dreads,” or uneven, messy, moldy hair directly leads to the stigmatization of textured, natural hair. Enough people see your hair and will conflate it with actual locs. This means that you’re gonna be part of the reason why it’s so difficult for people with textured hair to have natural hair styles without being looked down upon or called unprofessional. 

* Can you sidestep these issues? Sure! It’s hard, though, and requires you to weave specially-made locs into your hair and take them out and redo them periodically. Can your actual hair manage it? Maybe. I don’t know what your hair is like. But I’m gonna be guessing that it’s not likely. 

Ultimately, it’s your choice. You’re the one that decides if it’s right or wrong.
gpt
Concering your first point, I don't know what "white hair" is, but I do know people with brown or redish blond hair that have extremely tight curls. If they go long enough without cutting, they will grow a natural afro.