I just listened to a seminar about black holes. One question that came to me (perhaps very naive; sorry if so) is how a singularity can even form? Because, for a star to collapse, its constituent mass (atoms, elementary particles, ...) has to drop through the event horizon of the "core mass". But according to GR (if I understand correctly), everything slows down more and more as the event horizon is approached, because time is stretched. So, how can something in our finite-lifetime universe ever cross the event horizon? And is there really a singularity inside, or just basically all the mass just accumulated on the radius of the event horizon because it cannot fall further towards the center, since this would take infinite amount of time (from the rest of the universe viewpoint). Can anyone share enlightenment and answers on a non-expert level?

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