If time stops to create an event, how does it get started again? If an event can’t exist then a universal frame can’t exist either
You are really focusing on the wrong things here. The structure of space-time on very small scales is
not what special relativity says it is, but if you want to understand things like time dilation, what you need to understand is special relativity, and
space-time diagrams in particular. You do
not have to understand what the small-scale structure of space-time really is. (No one understands that yet anyway).
As I see it, reality is represented by events (not an event).
I can agree with that, but it's irrelevant here. When you consider the twin paradox for example, it's perfectly adequate to think of the launching of the rocket followed by a short acceleration phase as
an event. You don't lose anything essential by doing so.
Different events create different frames...
That's either not true or doesn't make sense, depending on what you mean. There is however a natural way to associate an inertial frame with each straight line through space-time. (Actually it would be a whole class of inertial frames related to each other by rotations, but let's not get into that right now). Since straight lines represent something moving with a constant velocity, we can think of this inertial frame as representing the point of view of a physical observer whose path through space-time is that straight line.
(One more technical point: I said "each" straight line, but it's actually only true for those lines that are "timelike".)
...and there is never an actual reality where existence shares the same frame.
If you mean that two objects can't occupy the same place in space-time, you're right (if we're talking about objects that can be described by classical physics), but you're using the word "frame" wrong, and you're still focusing on something that's irrelevant. It's perfectly adequate to think of the astronaut twin's return to Earth as
an event where the twins' paths through space-time cross.