So every single person who gets buried, goes to hell?
I have the same hypothesis, except a tad different: the ground is where you go when you die. End of story. No afterlife. Stop all. dead. Done. Nothing.
An in-falling observer will think she is simply falling through space external to the black hole, towards an ever receeding event horizon, until arrival at the singularity.
Does this realization come before or after spaghettification?
"What can be asserted without proof, can be dismissed without proof."-Hitch.