How? Maybe when we plug our brains directly into the matrix through a neural interface for direct electrical simulation but that's SciFi for now. We're still at the step of VR headsets.
Of course there will be variation in what people will accept. For many, near enough is good enough (I was surprised to hear that people had AI partners.)
You sound like those people who want AI to mimic human behavior, yet there are so many more interesting applications outside of that constraint.
Tell me you've never had sex. Sex and VR porn no matter how realistic are words apart.