What is "in" a black hole? Not SpaceTime. Nothing. Less than nothing. No movement of time. No space. No light. No energy. Physics deals with what goes on in SpaceTime. So it can say nothing about what is "inside" a black hole. All it can say is what it can't say.
Everything that "makes up" a black hole is gathered at the circumference; at the event horizon. All those things that are gathered at the event horizon tear a hole in SpaceTime. SpaceTime is not strong enough to keep from being torn.
To the extent that Swiss cheese is not continuous, it is a nice model for SpaceTime. Of course, it is hard to grock that SpaceTime is not continuous, but --- it's not.
Science has no data past the event horizon. Past that is all conjecture.