Forgive me if I'm being naive or if this has been answered before, but, I was wondering if someone can explain to me the formation of the event horizon on a black hole. Premise: As a star collapses, the gravitational force increasing as the volume decreases (i.e. density increases). As gravitational forces increases, the time dilation effect increases. My question: As the star collapses to the point where it's density is sufficient to create an event horizon, won't objects falling into the star (remaining stellar matter, etc.) start to be affected by the time dilation, therefore to the outside observer, we would see all the matter in the star frozen in time (i.e. NOT moving) just before the event horizon? Would that not also mean that we would not really see a black hole being invisible, but rather a dark hole with the remaining stellar matter reflecting light (albeit massively red-shifted) back out as a shell around the event horizon? Would this also mean that a singularity actually never forms in the lifetime of our universe? I.e. we would never hope to be able to observe a singularity because the time dilation effect would never pull in the remaining matter that is stuck at the event horizon? Doesn't this mean that all the talk about naked singularities and spinning black holes are meaningless because the matter never collapses into a infinite dot of infinite density? If someone could enlighten me on why I'm misguided, please do so!! Thanks. Paul Tan.