People seem to be jumping all over when answering you. Maybe if we slow down and go step by step.
First: Look around you.
All everyone is proposing is that at every time things were happening just like the are today.
The Mississippi is dumping feet of sand, slit and mud every year. But clams, crayfish and the like can still live there. The deserts of the south west are sand (which you said is uninhabitable) but I have been there and the are many, many kinds of plants and animals living there. The sand moves and burys some and uncovers others but they survice while this is going on. The ooze at the seabottom which you said is uninhabitable has lots of things living on and in it (not so many as the Amazon rain forest but lots still).
The Rockies are eroding and spreading material into the foothills and prairies.
Rarely (on a human scale) a volcano blankets the land with ash (as Mt. St. Helens did) but within days some things are alive there and in weeks, months and years life carries on. Lava flows over parts of Hawaii but these rocks make excellent, fertile places for plants to grow over the years. Even these events don't kill everything.
Those processes are exactly the same thing that everyone is proposing has been going on around the dinosaurs and everything else that has lived.
The slow piling up of soil that gets inches, then feet then 10's of feet deep doesn't interfere with things living on now and it never did.
So no one understands what you imagine was happening that makes it all so impossible.