If a large star goes supernova, but not enough mass collapses to form a black hole, it often forms a neutron star. My understanding is that this is the densest object that can exist because of the Pauli exclusion principle: It's made entirely of degenerate matter, each particle of which cannot occupy the same quantum state of any other.
So these objects are so massive that they gravitationally lens light. If you make them more massive, they bend the light more. Keep going and going until they bend the light so much that light passing near the surface can barely escape. It's still a neutron star. Add a bit more mass, just enough that light passing just over the surface cannot escape. Now it's a black hole with an event horizon (I think?). Does this mean the neutron star has become a singularity? Isn't it still just a neutron star just beneath the event horizon?
Why are black holes treated as having a singularity instead of just an incredibly massive neutron star at its center? Does something happen when an event horizon is "created?"