Consider a massive particle falling into a black hole with a very high kinetic energy, for instance, an a particle with travelling at 99.9999999999% of the speed of light towards it.
The mass-energy equivalence implies that the total energy of the electron $E$ is the sum of its rest energy plus its kinetic energy, so the electron has much more energy than its rest mass.
The black hole thus must increase its mass by $E/c^2$. According to John Duffield answer in question: "Proper mass" and "gravitational binding energy", the black hole does not increase in mass from to the kinetic energy of the electron, but only from its rest mass.
Why is this the case? Where has the kinetic energy of the electron gone?
This does not make sense, since a photon with no rest mass but with energy must contribute to the black hole's mass when falling into it.