You've got a whole lot of misconceptions here. >Because from my POV here on Earth, just like I can't see the final object fall in a make a black hole, the same

You've got a whole lot of misconceptions here. >Because from my POV here on Earth, just like I can't see the final object fall in a make a black hole, the same way from my POV the black hole also doesn't exist. Again, until there is an event horizon it is not a black hole. Once it has the event horizon, it is a black hole. Once it at the point that you are concerned about this, it is already a black hole. If you are in a situation where your (misunderstood) scenario is occurring, it is already a black hole. (I am speaking purely of the gravitational event horizon here, not a causality event horizon a la the observable universe, etc.) >just like it takes until the end of time to fall in (from the POV of the infalling object) It does not take until the end of time to fall in. If you were to be launched into a black hole that lacked strong enough tidal forces to spaghettify you, you would go past the event horizon at basically the same speed you were going right before you crossed. If you are going straight towards the center of the black hole, you will be accelerating under the gravitational forces. >it also means I never see the black hole form. Again, even if what you were saying is true (and it isn't), by definition the black hole has already formed when it collapses into a singularity (or something closely approximating our understanding of the singularity) and gains this event horizon. Not one atom or quark or any other type of particle more needs to fall in past this point for the black hole to have formed, because it already has. If it somehow formed in some sort of theoretical vacuum where even virtual particles do not pop into existence and never even had a particle or anti-particle appear and fall in, it would still be a fully formed black hole. >which of course is never, since time never ends Not really related to the current discussion, but we don't actually know if this is the case or not, either from a philosophical or hard science perspective. There are plenty of cosmological models where time ends, or the emergent property we call time stops being an emerging property because of some other reason, etc.