I don't know. I'm not so sure that we can create new working models from scratch. We definitely learn by iterative feedback: babies wiggle stuff and watch what happens to learn how to move their bodies. Learning to ride a bicycle is mostly about falling off bicycles until you learn how not to.
I've seen people apply their normal behaviour to situations that have changed, and then get totally confused (and angry) as to why the result isn't the same. Observe anyone travelling in a new country for examples ("why don't they show the price with the sales tax included here? This is ridiculous!").
In a perfect world, sure, we'd construct a rational mental model of a new situation and test it carefully to ensure it matched reality before trusting it, and then apply it correctly to the new situation. But it's not a perfect world, and people don't actually do that. Usually we charge in and then cope with the results.
Of course, I'm not saying that AI should do that. It'll be interesting to see how a "good" general AI copes with a genuinely new situation.