Suppose an object A is traveling towards black hole. For an observer outside it looks like A almost reached even horizon and is still trying to reach it.
So from point of view of an observer all the matter is on even horizon (we don't see all of it due to severe severe redshift making black holes invisible in all EM spectrum that we can detect). And all observers being equal, this view is also correct.
So which one is true, did A cross horizon or not? Or somehow both is true? Which leads to this question do blackholes contain matter? Or they are just a void out in both time and space. Because for all practical and theoretical purposes all curved spacetime ends at event horizon. We simply don't know what lies beyond.
