Please correct this if a widely accepted answer exists; please forgive my layman's terminology; lastly, forgive me for posting this to two forums but my first attempt got no takers... The "infinite" (unaffected by the local gravity effects) observer A knows that a rocket ship carrying passenger B is rapidly approaching the event horizon of a black hole* large enough to have negligible tidal forces in that region. Observer A calculates that passenger B shall cross the event horizon at t = infinity. The typical response to this is that, from B's frame, time passes normally and the cross-over of the event horizon is rather uneventful**. HOWEVER (again from A's perspective) the black hole will dissipate due to Hawking radiation in a very, very long (albeit FINITE) amount of time. This means that passenger B's material structure will be calculated to be annihilated before ever crossing the event horizon. If this is true of passenger B and his rocket ship, it is also true of the material entering the black hole that preceded him. In fact, it's true of ALL material entering the region dating back to the very instant of the black hole's formation. In my mind this implies that the black hole is never formed, the event horizon never exists. All matter brought close enough together to form a traditional black hole is essentially "frozen in time" during its journey, being released from its fate in the form of radiation. To me this makes intuitive sense as well for the following reason: as mass approaches the Schwarzschild radius it's material can be calculated to experience a velocity approaching that of c, yet relativity forbids any non-zero mass to travel at c. Perhaps Hawking radiation is simply another way of stating the conversion of mass approaching a velocity of c into energy? Thoughts? *I use the term "black hole" even though what I am proposing is a "black hole region" in which a proper black hole never quite materializes, yet powerful gravitational forces exist nonetheless. ** The point of this post is that B's journey would not be uneventful. In fact, I imagine as he approached the event horizon he would experience more and more frequent collisions with more and more energetic particles which would eventually destroy him and his ship entirely before his journey was complete.