From the perspective of the surface of a collapsing star, if you were riding it in as it formed a black hole, what would you observe looking out into the rest of the universe? As you approached the forming event horizon, would time dilation make the universe outside appear to speed up? Would you see a distant galaxy rotate faster and faster? And would this time dilation increase without limit as you approached the event horizon? And if so does this mean that in some sense, no black holes have actually had enough time to form yet, since an observer riding the surface of the black hole would witness events arbitrary far into the future before crossing the event horizon? Can someone please help me understand this perspective better?