That is literally the point of the thought experiment: https://en.wikipedia.org/wiki/Wave_function_collapse
It isn't just our models that can't explain it, there are real physical limits which mean that _no_ model can predict what state the cat is in.
The only reason why cats are a more outrageous example than electrons is that we see cats behave classically all the time.
The only vaguely plausible explanation why cat states are impossible in general is that large quantum system become spontaneously self decoherent at large enough numbers of particles.