skeptic2:
Here are my guesses as to what happens.
"if nothing can cross the event horizon, how can the black hole exist? Although a case could be made for matter being trapped inside when a star collapses, that doesn’t explain 100 million solar mass black holes."
First off, I don't think that we should start from an assumption that 'black holes', as commonly described, do exist. Starting from that assumption makes it difficult to explore any other possibilities.
I prefer to think in terms of event horizons, without assuming that there's anything inside of an event horizon.
Let's assume that it
is possible to pile so much matter together, in sufficient density, that no physical force can withstand the gravitational field and the stuff collapses under its own gravity.
I think it's worthwhile to consider the process. There will be a time, before the collapse, when repulsive forces can just barely resist gravity. Then, something happens and the collapse begins. This event won't occur simultaneously everywhere throughout the object. There will be one or more 'nucleation' sites, points at which collapse begins.
From the nucleation site(s), the collapse will spread outward to engulf the entire mass.
The question is, what does the nucleation and spread look like?
Initially, each site would be an infinitesimal event horizon; the nature of which is the point of this discussion.
Suppose that nothing can fall to an event horizon in finite time.
These nucleation sites would actually be 'empty'. That is, they would be empty of spacetime. They would be destinations unreachable. Things would fall
toward them, but never
reach them. Like the Oakland where Gertrude Stein spent her childhood, "
There is no there there." A black hole's event horizon defines a 'region' from which spacetime has been excluded.
As the collapse continued, more matter became captured, falling toward one or more expanding event horizons.
As event horizons merged, this matter would be swept outward (from the perspective of an outside observer). It would still be falling toward the event horizon (EH) but, like any matter falling toward an EH, it would never reach the EH.
Like anything near an EH, it would appear almost frozen in time. I think, as two event horizons merge, any particle of matter about one of these event horizons would (discounting the distance of its fall during this process) retain a position of constant field. Gravitational field.
As you say, "This would imply that a BH is built up in layers like an onion. The matter at each radius remains where it is due to its inability to pass through its own event horizon."
However, this doesn't imply that the black hole is "solid". Think of a spherical, hollow onion. The outer part of the onion is formed of concentric shells. However, all of these shells have a radius > R
S. This R
S would correspond to the Schwarzschild radius of our event horizon.
Thus, all of the matter that has contributed to an event horizon (black hole) would remain outside of the event horizon, for any finite duration one might choose to observe.
The gravitational effects would look the same. A spherical ball with all of its mass located at its center has identical gravitational characteristics as a spherical ball with all of its mass uniformly distributed about its surface.
The only differences would be that this model doesn't require violating rules that I, personally, have grown quite fond of. E.g.
Universality and
Causality.
For anything to actually fall through an event horizon requires physics to work differently for observers in different reference frames and for information to be lost from the universe.