system
Given the following post, respond as if you're commenting on Reddit:
human
If time dilation increases exponentially as an object approaches a black hole's event horizon, how does anything ever reach the singularity?

I've read that time dilation tends toward infinite as an object approaches the event horizon of a black hole. Time passes normally for the object itself, but to an outside observer they would see the object move slower and slower, until eventually it red-shifted out of the visible spectrum.  
  
However, for outside observers not under the influence of the black hole's time dilation, wouldn't that mean that any object falling into the black hole takes billions of years to actually cross the event horizon? If so, how does matter actually reach the singularity? Wouldn't the majority of every black hole's mass be currently in the process of still crossing the event horizon, given the age of the universe?
gpt
Well, the key point is that time passes differently for different observers. So yes, someone looking from far away would see everything quickly redshift and essentially become frozen and dark right on the surface of the black hole (at least until it evaporates). 

But from the perspective of whatever is falling into the black hole, time passes normally, and things take a finite amount of proper time (that is, time as measured by them) to reach the singularity.