Take ML itself, people are saying it's little more than alchemy (stir the pile). Are we just parroting approaches that have worked in practice without real understanding? Is it possible to have centralized understanding, even in principle, or is all understanding distributed among us? My conclusion is that we have a patchwork of partial understanding, stitched together functionally by abstractions. When I go to the doctor, I don't study medicine first, I trust the doctor. Trust takes the place of genuine understanding.
So humans, like AI, use distributed and functional understanding, we don't have genuine understanding as meant by philosophers like Searle in the Chinese Room. No single neuron in the brain understands anything, but together they do. Similarly, no single human understands genuinely, but society together manages to function. There is no homunculus, no centralized understander anywhere. We humans are also stochastic parrots of abstractions we don't really grok to the full extent.