You can't always know what is going on "inside" of something, and the question treads close to the idea of "what something really is" which is a meaningless question (which Einstein himself claimed)
Science builds models of things. That's all we can do. When our models fit observable data very well and no contradicting evidence is found, we tend to believe in the ability of those models to make predictions. We also look at the model itself for explanatory power, but that is secondary to the model's ability to make predictions.
For example, quantum mechanics makes great predictions, but it's explanatory power is limited, not the least of which is because there are a cornicopia of different interpretations of the model which are experimentally indistinguishable.
It could very well be the case that we will never be able to know "what really goes on behind the event horizon". We may be able construct models which constrain macroscopically what happens and holistically explain the future behavior of holes much the way we explained gasses, but whether singularities exist? You may never be able to rule them out. I could claim that all matter and energy that falls into a hole turns into Pink Elephants marching about the singularity, but over time, the elephants tire, and convert themselves into Hawking Radiation.
The same goes for stuff like "what's an electron made of?" For all we know, it's made of nothing but itself, hell, the question is kinda meaningless when you consider the idea that particles themselves are somewhat of an abstraction based on our intuitive notions of macroscopic behavior.
So for me, the question of "what goes on inside of an electron" is somewhat similar to the question of what goes on inside the event horizon. If the internal microstates of a black hole don't matter to its predictable external behavior, then I'm happy to treat a black hole as just a very large single particle.
It only makes sense to use reductionism and talk about the internal states of something if that information can be used to successfully predict it's behavior, otherwise, it's mathematical masturbation for no gain.