Electrons are point particles and protons are made of point particles so it doesn't make sense to talk about them "physically touching". There is something in quantum mechanics called the Pauli exclusion principle which says that some types of particles can't have the same energy state at the same time. Electrons and protons obey the exclusion principle. Photons do not. The Pauli exclusion principle is why you can build stuff out of protons and electrons but not light. If you have a floor made of protons and electrons, the Pauli exclusion principle will keep you from falling through it. Whereas if you have a floor made of light, it won't.
The trouble with the Pauli exclusion principle is that if you have enough gravity, it will overwhelm it. It's a consequence of special relativity. To put it crudely, if you have a chair and then you try to compress it, the atoms will try to vibrate faster. Once the atoms in a block of matter start to vibrate at close to the speed of light, they can't vibrate and faster, and so if you press on something hard enough, the atoms will be unable to vibrate fast enough to resist the pressure and resist the pressure that you are putting on it.
The problem is that once you have enough matter in a black hole, nothing can stop the collapse to infinite density. In order to resist the collapse, you need energy. Energy is equivalent to mass (E=mc^2) and mass has gravity. What happens in a black hole is that the energy that you need to stop things from getting crushed creates enough gravity to crush things even more.
So what happens is that things get crushed to infinity because there is nothing to stop it using known theories. There may be some unknown theory that will stop it, but it's hard to guess what that might be since we don't have observations to create theories.