By the term black hole we normally mean one of four spacetime geometries, the Schwarzschild, Reissner–Nordström, Kerr or Kerr-Newman metrics. The universe is (we believe) approximately described by the Friedmann–Lemaître–Robertson–Walker metric, and it is not a black hole. The Big Bang is not the same as the singularity at the centre of a black hole.
For the simplest black hole, the Schwarzschild metric, once you are inside the event horizon every timelike path leads to the singularity. So not only is there no escape, but there is no way to remain permanently inside the black hole without hitting the singularity. For the charged and rotating black holes things are more complicated, because there are timelike paths that take you through the event horizon, miss the singularity and back out again. However it remains the case that (a) you can never return to your starting point and (b) there are no stable orbits inside the event horizon - you either hit the singularity or are ejected.
So the simple answer to your question is that you cannot arrange a black hole that allows you to live permanently inside the event horizon.
As a side issue, it is not the case that you cannot escape from the observable universe. Rather the reverse actually. Assuming the expansion of the universe carries on accelerating it will approach a de Sitter geometry. In this case there is a cosmological horizon that prevents anything outside the observable universe from entering it. However anything inside the observable universe can escape through the horizon (though from our perspective it would take an infinite time to do this).