Okay, I see the problem now.
You aren't supposed to make a folder with the same name as the .love file (I'm assuming you extracted the .love), and then put the hats in there. You need to instead open the .love file with something like 7-Zip or WinRAR.
It looks like you're on OS X, so you'll have to use WinRAR
. Once you have that installed, open the mari0_1.6_hatloader_005.love
with WinRAR, navigate to the hats
folder, drop in the Z&T Hats
folder in (if it gives a prompt, click OK), then exit WinRAR, and run the game. You should see the hats you just added ingame now.