What do you mean not the mainstream one? When people say that black hole exists, they mean you can imagine a hypothetical situation, where black hole exists in

What do you mean not the mainstream one? When people say that black hole exists, they mean you can imagine a hypothetical situation, where black hole exists in its complete form. It's still mathematically accurate to say that black hole doesn't form for a distant observer during collapse, it freezes just before it approaches Schwarzschild radius.