Why are we not able to see colored images in moonlight and see black and white image
The answer is reasonably simple: moonlight lacks the intensity for the cones in our eyes (the things that perceive color) to perceive colors properly, the rods that see shapes instead of colors can work with very low light intensities compared to the cones, which leads to black&white views under moonlight.
It is a surprise to many people just how insensitive the human eye is to colour
Nature is lazy. We don't need a better colour vision system so we didn't evolve one. People do not 'perceive' its shortcomings.
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