The discussion centers on the conditions required for a Schwarzschild radius to form a black hole, emphasizing that an individual's mass must be compressed to an extremely small radius to achieve this state. For a person weighing 65 kg, the calculated Schwarzschild radius is approximately 9.62x10^26 meters, which is not achievable under normal circumstances. The conversation highlights that the density of the mass is crucial, as one cannot become a black hole without compressing their mass within the Schwarzschild radius. The correct formula for calculating the Schwarzschild radius is provided, illustrating that the radius is minuscule, around one part in ten million million million million of a meter. Ultimately, the key takeaway is that energy compression within the Schwarzschild radius is essential for black hole formation.