Mike Holland writes:
So I conclude that matter can only enter a black hole by leaving our universe - at the far end of time. This means that no matter has ever fallen into a black hole according to our time frame. It is all frozen on the edge of the event horizon waiting for our clocks to tick over to infinity.
This is very well stated. I've wondered the same thing.
I wonder if it's that the matter approaches the black hole, but never enters it from our perspective, so even though at the end of time the matter might end up at the center of the black hole, at present all the matter of all black holes in the universe actually exists at their event horizons. Gravitationally we wouldn't be able to tell the difference.
--Percy