: All human beings to the best of my knowledge are remote : observers. Therefore as far as all of us are concerned : nothing can ever enter a black hole in our finite : time. And this includes the mass of the stellar : object from which the hole was formed. Everything : is locke at the event horizon.

The words in quotes are important. The stop applies to "test masses" falling into a black hole with a "static" metric. The metric is not static during formation and so the dynamics are different then. Also, the matter that formed the hole can't be considered test mass since the definition of a test mass is a mass that has negligibly small effect on the metric whereas the matter that formed the hole was responsible for the formation of a black hole metric.