No one seems to be bothered by this except me: Black holes have a finite lifetime measured in Schwartzchild time due to Hawking radiation. Similarly, the universe probably has a finite lifetime measured in Schwartzchild time. In that case, nothing ever falls through the event horizon of a black hole because it takes infinite Schwartzchild time so the black hole would disappear and the universe would come to an end before you crossed the event horizon. You could even calculate dr/dt of the event horizon of a black hole shrinking due to Hawking radiation which would presumably be non-zero and presumably negative. Since an infalling observer's dr/dt approaches zero at the event horizon, as you fall towards the event horizon it will shrink away from you as you approach and you will never cross it. So why does everyone spend time analyzing what happens after you cross the event horizon, lured by the fact that proper time is finite? I really just don't understand - I'm not trying to be clever - I just want to know what I am missing here.