I don't disagree. However, the next time you find yourself pondering the question "Why did Bob do X? That's so bizarre, and it makes no sense", you should consider what the repercussions may be if Bob were not just your awkward acquaintance but rather an autonomous computer system distributed across the globe that's assigning credit scores to people. Is there really room for 'Well it just felt right at the time' in those situations?

Humans are often quite bright, but we're also known to do the wrong thing for no discernible reason. This is to be expected when there's no fundamental formal system behind behavior, and behavior is instead driven by a black-box neural network.