This is a revision of my earlier question. Sorry. I'm a beginner here and on a learning curve regarding format.
If the gravity well steepens to infinity at the point of a singularity, then so does the "time well". Understandingly, the inward falling energy/matter is not aware of this change in time relative to the "outside" universe, locked as it is in its local reference. How does the inward falling energy/matter ever "physically" reach the singularity?
It seems like the man counting to 100, going half way each time. He gets closer and closer, but never actually arrives 100% there.