To simulate a water molecule you do so with a weakly coupled SU(1) gauge theory (light does not interact with itself at tree order) problem where the masses of all constituents are orders of magnitude above the relevant energy scales (you can think of it as the electrons and nuclei and particles coming in and out of existence are contained in a renormalization scheme).
We have "good simulation models" of both, but the former is extraordinarily complicated compared to the latter for the reasons stated above.