If light has no mass at zero velocity, is it not possible that there is a shell of photon packets surrounding a black hole?
Just before or on the event horizon, light would reach zero speed as the gravitational force equals the energy of the photon packet trying to escape.
This would mean that the photon packet is, ineffect, at rest with zero mass.
You could theorise that it would be in a constant state of mass/no mass.
ie.. at zero mass the black hole has no effect so the photon packet attempts to escape, whereupon it gains mass and is dragged back to zero mass again.
The assumption is that light would never reach the singularity.