This is not just an issue for neural nets, but also for brains. Our interpretations of our own actions should always be considered posthoc rationalizations in the absence of some falsifiable experiment being conducted to demonstrate the validity of the interpretation. Human brains are excellent at creating a coherent story about the world they experience based on the data at hand, thus we suffer the same kinds of iss…
Show some child a cat and ask why it's not a crocodile. They will be able to explain it through the differences in shape, color, behavior and other features of those animals. Whether you consider it post-hoc is unimportant. The explanation is still real and relevant.
So people can explain their deliberate reasoning. Also, reason about reasoning. If they truly can't, it's called gut feeling and no one rational trusts those for solving complex problems with important outcomes. Especially at scale.
Neural networks, at least right now, have no capabilities of this sort. There are some attempts at visualization, but they are inherently limited, because they must make assumptions about the domain of the problem.