If time stops at a singularity, relative to the outside universe, then the very act of a singularity beginning to form would cause the black hole to evaporate due to Hawking radiation bleeding out over trillions of years at the event horizon where time is progressing in a more or less normal fashion.
Reality hates infinities.
A review of the underlying theory as of Dec 2019:
Primordial backgrounds of relic gravitons
by Massimo Giovannini.
The diffuse backgrounds of relic gravitons with frequencies ranging
between the aHz band and the GHz region encode the ultimate
information on the primeval evolution of the plasma and on the
underlying theory of gravity well before the ...
Let us remind that Tegmark's level one universe has the same laws we do, but different initial conditions. It all depends on the fine structure of the universe. If the initial conditions can only be discrete, and the universe finite, then the number of configurations is countable. If it is infinite it will also be continuous because the set of all infinite ...
Before the electrons and protons merged together to form atoms of hydrogen (below a certain temperature, about 400 000 years after the Big Bang), the electrons and protons were moving like in a plasma. The photons present were scattered all the time, which made the Universe opaque.
After the recombination of the two particles, the photons could move freely, ...
Expanding a bit on Ross'answer.
Assuming the entropy of the quark plasma age, in order for quarks to bind into a proton , i.e. fall into a potential well, they must lose energy. This energy will be radiation of gluons and photons, and not a small number, as the strong coupling constant allows multiple gluons. In any case the number of microstates increases ...