Eric
You seem to have forgotten the fundamentals of finite element analysis, that is a continuum (the structure you model) is represented by discrete points (the nodes).
Equally a load on any structure is applied as a pressure over a finite area, but this also has to be represented by discrete nodal forces. Thus any pressure loading is applied as an equivalent set of nodal forces. If you manually applied a force at an individual node, it is effectively trying to apply infinite pressure over zero area, and is thus a singularity.
Restraints can also induce singularities, but only under certain circumstances, those being when the model is over constrained or does not have a balanced set of loads applied.
Ideally your model will have balanced loading (all applied as pressures) and a minimal 3-2-1 support set (see previous posts of mine for details).