I’m really not even a little bit following what you’re trying to say. What units are you using? What does the Sagittarius A* have to do with anything? What scale factor are you talking about? Mass? Volume? “Mass of electron cloud equivalent to black hole” what electron cloud? Where are you pulling these numbers?

Mass isn’t what determines if a singularity forms. Density is. Enough mass has to be formed in small enough volume to form a singularity. Mass more most matter would have to multiply by many many orders of magnitude for a planet to form one. Adding a single election to each atom doesn’t do that.

Maybe charge can play a factor, but I don’t really have any idea how exactly or how significant it is.