Dear Jim,
You correctly state that no finite amount of matter can fit into a dimensionless singularity. But the compact centers of galaxies, the SMBHs are not such singular point masses. It is only that the (wrong) balance equations of the conventional GR treatment lead to the assumption that there exists an upper limit for the mass of collapsed objects, which are stabilized by degeneracy pressure of neutrons (or possibly by a quark gluon plasma).
By the way, there is no observational evidence that the SMBHs in the centers of galaxies must have a density much higher than neutron stars. At present by observations even for the milky way spatial resolution is about two orders of magnitude less than necessary to discriminete objects of the size of an alledged event horizon.
As you have written, in this highly condensed state, be it a pure neutron plasma or some more exotic state consisting of quarks, gluons or other high energy elementary particles, ordinary atomic species cannot exist, but will be formed only in the jets, which emanate from the collapsed cores. But there is no event horizon inside which matter can be included without the possibility to be recycled into space.
The existence of event horizons is only a consequence of the inaccurate application of differential geometry to the problem of gravitation. Physics in curved space differs more from Euclidean geometry than assumed in conventional treatment of gravitational interaction. Quantities like density lose their innate meaning, when volume is no longer a conserved quantity but is subject to dynamical changes.
As I think that there exist no event horizons, I cannot agree with your idea of the existence of a singular focal point of potential energy. To my opinion potential energy must be directly coupled to matter. It is the response of matter to being surrounded by other matter or energy fields.
I hope that my comments will stimulate your thoughts to further ideas on gravity. Your comments were helpful in the discussion.
Regards,
Ernst
