Comment by rokobobo

I may be wrong, but I believe spending time in a deeper gravitational well means you observe everything outside of the well to be happening much faster; at the singularity, the entire future of the parent universe will appear to you as happening all at once. There is no notion of “matter that falls in later” — once you reach the singularity, you travel to the end of time in the parent universe. And the passage of time in our universe isn’t a continuation of time in the parent universe; it’s not even the same dimension, the latter is collapsed.