The Schwarzschild solution is the standard example used to describe a black hole, its important points being the event horizon and the central singularity. But this solution is derived by assuming an empty spacetime around a point with a "mass" parameter.
All geodesics inside the horizon point inexorably inward for this solution. But why does this preclude a clump of matter or "collapsar" at the center? For example, the Schwarzschild solution also describes the field around a planet, except that the planetary matter occupies the field's central region. At the surface of the planet, the field description transitions from the exterior to the interior Schwarzschild solution (assuming idealized geometry, obviously).
What is it that preludes the predicted field, even at $r<r_{Schwarzschild}$, from simply terminating at the surface of a collapsar of dense matter, and taking some other form inside it?
(Obviously the field could be solved numerically for such a structure, rather than fitting it to a theoretical metric like Schwarzschild, but I presume something happens in the equations that makes this unphysical.)