Right, it's because the MPPT needs a model that behaves like a real PV panel.
To show what to aim for...
Here is real data I measured from PV cells. I hooked up various ohm loads and read the resulting volt level.
Then I devised a computer program to calculate amperes and watts, and plot all the data.
Four small cells wired in series:
Three graphs are superimposed: V, A, W.
The peak in the middle shows maximum power output (0.58 W) occurs with a 2 ohm load.
A 64W panel:
The maximum power plot looks as though it is missing its rounded peak. That tells me I should have tested it with loads between 5 and 10 ohms. Because I think I could have gotten 50W into an 8 ohm load.
The plots are crooked where I drew maximum amps. The connection may have been bad, etc.
The above data can give us something to shoot for, in simulating a PV panel.