According to general relativity, an observer not in the close proximity of a black hole, observing a mass fall into that black hole, will never see that mass cross event horizon(it will gradually fade but never actually pass through the event horizon) as it requires an infinite amount of time to do so. So, effectively, for the observer, the mass of the object falling in will never reach the middle of the event horizon, or the so called "singularity", as it will require more-than-infinite amount of time to do so.
Then why do we even define such a thing as a singularity?
I am alright with the singularities in space-time curvature, but not with a finite amount of mass being compressed into zero volume, not because it is silly, because it would never happen in a finite time for a casual observer outside of black hole.