The universe is immense and 13.8 Billion years has passed overall since it was formed in the Big Bang event.
If time greatly slows down inside a Black Hole (BH), then logically very much less than 13.8 Billion years has elapsed inside any BH that has formed since the Big Bang, in our universe.
Thus, inside a BH, has any matter had sufficient time inside the BH to transit from the event horizon to the center ?
I understand that time for the in-falling matter seems normal, but that doesn't mean it is unlimited. There is still the matter of the limited 13.8 Billion years in normal time outside the BH. Any slower time means less than 13.8 Billion years has elapsed inside the BH.
Maybe the age inside a BH is only a few seconds total elapsed time! From inside the BH's perspective, matter must be falling in at an infinitely fast rate and piling up into a very condensed shell at the event horizon!
IF that is true, then would not the BH be just a huge condensed matter shell only a few meters thick without any central singularity formed - in 13.8 Billion years viewed from our perspective outside ?