These theories you are expousing miss an extremely important point - they all attempt to view a black hole from the outside.  What does a black hole look like from the inside?  Well, at one time, the answer was fairly simple - "look around you - you are in one!"  That is, if the universe was expanding at a decreasing rate, and eventually would contract into a "big crunch" by definition, the universe would be a black hole.

Recent information indicates thhat the universe may not collapse.  If so, this observation is meaningless.  But that has not been positively determined yet.  So, possibly, we all live inside a black hole.