I am a layman, so I'm not completely up on the latest black hole theories.
However, I have been thinking about how an event horizon can be be penetrated by matter outside of the event horizon. Now, to any outside observer, matter will go towards the black hole, but we see its apparent relative clock slow down drastically before it enters from the horizon. So we can think of matter never entering until "the end of time" in the outside universe. Now, obviously black holes exist and can grow in accumulated matter, but what about the following considerations:
1) If Hawking Radiation works the way we think it does, why would a black hole not evaporate before an in-faller ever reaches the event horizon?
2) What about the rate of expansion of space in our universe? If an in-falling observer sees the apparent rate of time accelerate in this universe, that should include observing an accelerating expansion of space. (unless somehow this rate is actually decelerating for things not near such abnormally shaped space-time) If the observer is still inside this universe "before the end of time", would not the apparent acceleration of the expansion of space eventually have an effect on the path of the in-faller towards the event horizon?