In one sense, the universe has to a black hole for the following reason. It is a notable coincidence in cosmology that the total mass M of the universe is roughly equal to the radius R of the visible universe, i.e. R=GM/c^2. The radius R is also sometimes called the redshift horizon or the de Sitter radius. Thus, the mass of the universe lies within a radius that is half the Schwarzschild radius, and the cosmos is too dense to be anything but a black hole. Curiously, I have never seen this stated in the literature, although the equivalence of R and M is frequently mentioned. One contradiction arises: the mass of a black hole is assumed to reside at a singularity at the center. The density of the universe however is more or less evenly distributed. Possibly the nature of black hole interiors is not well understood.