[askjdlkasdjsd]

> Time dilation goes to infinity at the center of the black hole - at the singularity, not at the event horizon

That is incorrect. The inside and outside of the black hole are causally disconnected. For someone who passes the event horizon the entire future history of the universe plays out above them as the universe warps down into a single beam of light as the black-ness engulfs you.

From the perspective of someone outside, nothing ever "crosses" the event horizon - it just slowly redshifts into darkness and appears to take infinity to "touch" the even horizon.

There is nothing "happening" inside of any black hole right now that has any corresponding time in the outside universe. From our perspective, it happens in the infinitely far future.

[thriftwy]

"For someone who passes the event horizon the entire future history of the universe plays out above them"

I believe this is only true if you have found a way of lingering with zero speed at the event horizon. If you are entering it at near light speed, as you likely would, you will be ingested as a part of "treadmill" containing yourself as well as all the light and will not see much of the future history.