Earlier quoted context omitted.
That's true. But it's things from the outside that are falling in, and that make a black hole. Since they take an infinite amount of time to fall in, the black hole never forms in the first place. (I'm less sure about this paragraph, but I believe that) An object falling in also never sees a black hole, since the other things falling in are dilated relative to him, so there's still not enough mass to make a black hol…
You keep repeating this misconception even though you have been repeatedly been corrected over and over again. What you don't seem to realize is that the choice of coordinates in GR is arbitrary and local. There are types of coordinates that are singular at the event horizon, and there are others which are not. This has nothing to do with infalling vs. the exterior observer. You seem to think that time is somehow fix…
Bernard F. Schultz, _A first course in general relativity_
It's accessible to undergrads! (who have studied SR, vector calculus, electrostatics).