Sure, but the Schwarzchild radius is a function of the mass within it. I'm thinking by analogy to a galaxy or globular cluster, which has enough mass to be a bl

Sure, but the Schwarzchild radius is a function of the mass within it. I'm thinking by analogy to a galaxy or globular cluster, which has enough mass to be a black hole, if it were dense enough, but it will not become one unless and until some dissipative process has caused it to collapse towards its center. When this happens, I am supposing that the black hole will first form in the center (where the gravity well is deepest), with a large part of the cluster mass initially outside of it, and grow as the friction continues to feed mass into it. If this is, in fact, a reasonable model, would something similar happen in a collapsing star? (Only much faster.)