I have a few questions pertaining to black holes.
It's my understanding that from a non-freefalling aka hovering perspective nothing can ever cross the event horizon of a black hole due to gravitational time dilation.
I've seen people say "oh but from the falling matter's perspective it falls through just fine" -- using this as some sort of justification that it 'actually' falls in and you're just seeing it on the surface -- but no, it's ACTUALLY physically on the surface relative to the hovering observer, so please don't tell me that the mass is in the singularity.
This would mean that any mass added to the black hole after its creation would appear to be stuck on its boundary.
I'm not savvy on the formation of black holes, but 'on average' how much of a black hole's mass comes from the singularity and how much comes from matter that became 'stuck' on the surface after its formation?
