I was always taught that black holes were actually disks due to angular momentum and the speed of light. The matter at the end of the disk is being pulled in by

I was always taught that black holes were actually disks due to angular momentum and the speed of light. The matter at the end of the disk is being pulled in by gravity, but its speed is so close to C that its mass increases to the point where the equations balance out (trade gravitational potential energy for mass potential energy + kinematic potential energy).