[talanum1 (OP)]

We have that time stops at a Black Hole event horizon. Then matter cannot fall into it since it would hover at the event horizon for ever.

[Bored chemist]

We have that time stops at a Black Hole event horizon.

Not from the PoV of the person falling in.

[puppypower]

Another consideration is mass and gravity not only alters local space-time but it creates physical pressure that changes the states of matter so they move in the direction of faster and faster transitional frequencies.

The core of the sun, for example, is where pressure is the highest. This is also where space-time is most contracted; time runs the slowest. However, it also defines the highest frequencies; fastest time intervals. Time measurements are moving in two different directions. Gravity is an acceleration with is one part distance and two parts time; d/t/t. Space contracts the same for both cases, but the two time vectors go in different directions. The faster time vector has a connection to matter changing states. The faster time vector is more about material things and the slower time vector is about reference affects.

As matter falls into a black hole although reference time appear to run slower, the pressure causes internal matter to phase change into states with faster and faster transitional frequencies. It sort of retraces the BB in reverse on a small scale.

If we had an infinite frequency photon emitted by the center of a black hole, it would red shift as it moves from the core to the event horizon  where it may appear close to zero frequency. This is not easy to measure. It would seem like no light can escape. My guess is the size of the universe defines the longest black hole red shift wavelength; standing wave.

When we discuss General Relativity we often forget the second time vector connected to gravitational pressure acting on matter and faster transitional frequencies.

[talanum1 (OP)]

Not from the PoV of the person falling in.

Then either matter falling in is an illusion, or matter hovering at the event horizon is an illusion.

[Bored chemist]

Not from the PoV of the person falling in.

Then either matter falling in is an illusion, or matter hovering at the event horizon is an illusion.

That's right, in the same way that your computer in front of you is an illusion.

You don't see it as it is now, you see it as it is about a nanosecond ago.
It has done a few clock cycles more computing since then (from its point of view).