From my completely uneducated perspective, our visible universe is one white hole that is actually the inside of aunuverse mass black hole. The black holes we can observe are the exterior of other white holes. Like a space-time foam made of left and right time flowing bubbles. I remember seing some graphs that showed time and space switching places within black hole mathematic or something. Like time flow observed within seem reversed from our perspective.
I'm fairly sure that, if hawking radiation exists, then black holes can't. What we see as a black hole would be closer to a gravistar. As matter gets closer to the evening horizon, time,from an external perspective, is slowed. It takes infinite time to cross the event horizon. If black holes existed forever, then that wouldn't be an issue. Hawking radiation means they don't, however. Black holes evaporate. It's incredibly slow, but long =/= infinite.
From the perspective of something falling into a black hole, 2 things will happen. The radiation pressure would rise (hawking radiation, with time dilation accounted for), and the event horizon would retreat (black hole shrinking). The object would skim the event horizon, before being pushed away.
Critically, similar effects would apply at the moment of a black hole's creation. No even horizon could form, the radiation pressure, caused by the combination of space-time curvature, and time dilation, would blow it apart. From the star's perspective, it would be almost instantaneous. Outside the space-time knot, the rest of the universe would grow old and die. The star almost frozen in time, but not quite.