There is a conjecture that our universe is actually a simulation. I have no idea whether this is true or not, or even verifiable. But it got me wondering:

Could it be that the simulation slows down to accommodate more "computationally expensive" regions of space? The massive object responsible for gravitational the field probably has a lot of interacting particles or more information (ie more calculations to make per unit volume). My gut feeling is that this could fit into explanations of time dilation due to planets, stars, black holes, atomic nuclei... I haven't found any major problems yet.

Could it also potentially apply to inertia (harder to calculate changes made to more particles)? This seems like more of a stretch to me, but I still pose the question.

The main issue I see is that the time dilation increases experimentally shown with increase in mass, and the expected computation time would not scale in the same way. Computation time often increases in a convex fashion as the complexity of the problem increases, but we don't see exponential increase in time dilation with increasing mass density...

I don't know. What do you guys think?