Lunct said:
But why is everyone assuming that all matter in the universe is in our observable universe?
Nobody is assuming that. You must have misunderstood.
There is more than one way in which (cosmological) multiverse can be understood, so there's potential for confusion.
In terms of standard BB theory:
- it's the collection of observable patches of some larger whole, where each patch is sufficiently distant from any other patch so as to ensure that they'll never be in causal contact. At the present epoch these patches are a bit over 60 billion light-years in radius. Everything over that distance is functionally another universe (but essentially identical to ours, and coming from the same Big Bang).
If we add inflationary theory to the mix, we get:
- it's the collection of larger than observable patches, in which observable universes are embedded (so, each is the 'larger whole' or the 'universe' as understood above). Each of those patches has come to existence when the inflationary field locally decayed, and was causally disconnected from any other patch by inflation still happening elsewhere. Here, each of those patches have underwent their own Big Bangs and may have
a) different parameters, or
b) different physics.
There's still a larger whole, consisting of the eternally expanding inflationary field, with universes embedded in it.
The reasoning in the first case is that anything causally disconnected from us can be thought of as another universe (it's forever separate). The case with inflation calls another universe that which underwent it its own Big Bang.