The thing is we have a lot of models which make very accurate predictions most of the time, which are useful for doing some impressive science.

But we have no accepted theory of what is actually happening behind the math. What we have is that in 1925 most theoretical physicists decided that we have already uncovered the most fundamental structures of the universe and further investigation into how or why things are the way they are is fruitless. This view has dominated for the last 100 years. Physics has been focused only on modeling and testing, but nobody knows exactly what the models are telling us about the universe.

I agree with the above poster that this is wrong and we may yet learn that our models are only very close to reality, but the actual mechanics are different. At least I think more research should be pointed in this direction.

Aye, but we only sorta kinda "know" what things like black holes might be. We have models that make sense to us based on our understanding of science, and we think our instruments can faithfully report on what they can be with measurements we believe we are making correctly, but we have no clue what we don't know, and no real way to prove it, just theorize, and sort of bundle up what we believe is data supporting it.