Black holes are firstly a solution of classical general relativity, suggesting that when a sufficiently large mass is in a sufficiently small region, a black hole would appear. This is supported by the Hoop conjecture and the closed trapped surface theorem, and many papers have supported that these theories are well-established (like this). We see their applications in theorems like the TOV limit and models of gravitational collapse.
On the other hand, we have no evidence of non-contact black hole mergers(edit:a blackhole forming before its two precursor's horizons collide), and numerical relativity has already shown that binary black hole mergers will form a bridge between their black holes' event horizons (EH). Black hole thermodynamics also supports the idea since black hole mergers must contact to increase their surface area (entropy). The Weak Cosmic Censorship Hypothesis also rejects the idea of a black hole whose singularity can form out of nowhere during a non-contact merger.
So now we have two sides: one suggests that high mass density guarantees a black hole, even if you don't have an existing black hole; while the other argues that black holes must contact before mergers. Since a black hole's Schwarzschild radius is proportional to its mass, the closed surface area increases much faster than the enclosed volume. This scaling allows for the possibility of multiple black holes with a combined mass exceeding the Hoop conjecture's limit existing without making direct event horizon (EH) contact. If you push this idea to its extreme, you get black hole cosmology.
Another extreme scenario involves forming toroidal black holes or potentially hollow shell black holes (at a certain moment), whose center could be considered both inside and outside the EH simultaneously. However, they are mathematically impossible under the interpretations of the mass density theory. For example, a D=10 shell can only be covered by more than 400 D=1 black holes, but if combined into a single black hole, this mass would have a Schwarzschild radius of D=400(there's a thread about shell blackhole btw).
The question: Is black hole formation guaranteed by mass density, or does it require the direct merging at event horizons? Where did I get wrong about the theories I mentioned? Are there specific theories, simulations, or observations that already solved (or are planned to solve) the problem?
Clarification: The title means: Does meeting a certain mass density will inevitably create a blackhole?
(For this discussion, we focus on the conditions for black hole formation or merger involving at least 1 pre-existing black hole, rather than the initial formation process from matter or primordial black holes.)