Lyric discussion by violaconfuoco 

my take is that it's someone that she knows very well who is obsessed with his/her image and she pities and understands him/her for his/her self-consciousness. think about it- a zebra looks like a regular horse except for its pattern. she probably knows this person 'beneath his/her stripes.' she is trying to comfort him/her and let that person know it's ok to be yourself (you know you're golden, you don't gotta worry none." however, it's likely that i am wrong. the lyrics are so vague it's difficult to say.

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