Agreed.

I personally don't think they exist. More likely space-time gets tied in an extreme knot. The gradients produce Hawking radiation. This radiation will both evaporate the mass from the black hole, as well as provide radiation pressure on in-falling matter. From the outside, hawking radiation is incredibly weak. Time dilation will push the pressure towards infinity, as the dilation approaches infinity (at the event horizon).

Matter would never actually reach the event horizon. The radiation pressure would increase to push it away. The event horizon would also recede ahead, as the black hole evaporates. The matter would skim the event horizon, but not actually cross it.