This question already has an answer here:
Consider an observer at a significant distance away from a collapsing star.
As such when a singularity is born at the core of the star the observer would never see it grow anymore than the infinitesimal point it is at the moment of its creation.
This is because the gravitational time dilation at its event horizon would mean any infalling matter would take infinite time to cross the horizon with respect to observers time.
Keep in mind the observer is away from the star and not inside it as answers to similar questions had falsely assumed that otherwise. So the time dilation for the two would be different.
If this is true no Black hole should technically exist for people at earth as the time required for a blackhole to grow from singularity to things like supermassive blackhole at galactic centers would take infinite time from earth's perspective.
Finally this should mean there are only two ways for them exist
If all matter or the universe itself came out of black hole as only in that case we would have equal dilation leading to their formation in finite time
Universe existed since near forever (eternal) .