You're forgetting quantum mechanical effects. Effectively, a electron is constantly quantum-tunneling out of its own event horizon. (Or, equivalently, a electro

You're forgetting quantum mechanical effects. Effectively, a electron is constantly quantum-tunneling out of its own event horizon. (Or, equivalently, a electron, considered as a black hole, always immediately decays into Hawking radiation consisting of exactly one electron (with the same position, momentum, electric charge, etc, as the supposed black hole, since black holes aren't exempt from the various conservaton laws).)