“But matter never can go past the event horizon.”
Sure, that is true for matter that exists outside the event horizon after the black hole forms, but what about the matter already INSIDE the event horizon before it forms?
Just thinking this through, an event horizon would grow from a smaller point. That means it would expand outwards past such matter, which would from the observer’s perspective always be trapped on the event horizon. IIRC, there is no space inside the event horizon. In fact, If I understand correctly, the entity (”traveler”) to whom the event horizon catches up would experience traveling across the universe at the speed of light, as the event horizon became as big as the universe, since everyone always experiences their position as the exact center of the universe.