I am about to take a huge risk in exposing quite how dumb I really am. On the other hand I already identify as a monkey with a stick so how shocking can that be?
A Black Hole is not like anything else in the Universe (that we know of). It is also the ultimate Black Box in terms of what the universe sees of it. Suppose that the change is even more fundamental than we appreciate. I have to admit that my first thought was "Black Holes break space-time." Maybe it does, maybe its a phase change from SpaceTime to TimeSpace or even that the Space part breaks and the Black Hole is a bubble of Pure Time. In any event it would not be unreasonable to assume that GR would no longer provide an explanation of what is happening in the Black Hole (try not to laugh).
If we were to consider the Pure Time model as it is probably the simplest then one would expect the explanation of what is happening in a Black Hole to also be simpler:
Per my original post I am travelling through time to the Local End of Time. I can only travel in a single direction following my arrow of time.
Conversely there is an end of time - where all timelines meet. At the end of time all possible directions are back in time. This is caused by the fact that Time itself is unlimited whilst the volume inside a Black Hole is not.
It means that the local end of time is an entirely geometric formation. The body that sits at the end of time is not the end of time itself - its merely in the location (more properly state) of the end of time.
Now when a Black Hole forms it does so BEFORE the singularity. The geometry of the Black Hole forms immediately. The hugely dense (but not infinitely dense) body is at the local end of time.
Now as we are at the end of time that body can never become a singularity as there is no time in which such a transformation can occur.
Further, as the arrow of time is doing our heavy lifting here, the role of gravity within the volume bounded by the event horizon, is negligible. In other words as I am approaching the end of time I will not experience any gravitational pull because, relative to the end of time, I am in the past and gravity does not travel backwards in time. The dilation of time would also not be apparent to me in local time it would only be theoretically apparent to an external observer which is not something that can exist as we are in a Black Hole.
When I come to rest at the end of time the definition of the end of time (no available direction of travel is open to me that is not backwards in time) means that the end of time expands (just as the event horizon did when I first fell in). As I am at the end of time no further change can happen to me (like being crushed by gravity).
In summary the singularity never forms and information is preserved.
Now I realise this is a big ask but be as kind as possible to the monkey and tell me, not in terms of GR, in terms of observations and implications, why this idea has to be wrong. I am now building up the courage to press the reply button.