I am not a professional physicist, so I may say something rubbish in here, but this question has always popped in my mind every time I read or hear anyone speak of particles hitting singularities and "weird things happen".

Now to the question at hand, please follow my slow reasoning... As far as I've learned, to reach a black hole singularity, you must first cross an event horizon. The event horizon has this particular property of putting the external universe on an infinite speed to the falling observer. Now due to the Hawking radiation, and knowing that the cosmic background radiation is slowly dimming, sooner or later every black hole in this particular instance of inflation we are living in will evaporate, according to an external observer of said black holes.

This means that every black hole has a finite timespan, as long as this universe survives that long. Now if we go back to the falling observer, we had already established that such an observer would see the outside universe "speed up" infinitely. This means that when the falling observer "hits" the event horizon, he will (or it if we speak about particles, which is clearer in this case), be immediately transported in time towards the final evaporation moment of the black hole. Either this or the particle gets some weird treatment. My point is, such a particle never gets to the singularity, because it has no time to get to it. The moment it crosses the event horizon, the black hole itself evaporates.

Where am I wrong here?