How come, then?

Simulations of the chaotic period of terrestrial planet formation suggest that impacts like those hypothesized to have formed the Moon were common. For typical terrestrial planets with a mass of 0.5 to 1 Earth masses, such an impact typically results in a single moon containing 4% of the host planet's mass. The inclination of the resulting moon's orbit is random, but this tilt affects the subsequent dynamic evolution of the system. For example, some orbits may cause the moon to spiral back into the planet. Likewise, the proximity of the planet to the star will also affect the orbital evolution. The net effect is that it is more likely for impact-generated moons to survive when they orbit more distant terrestrial planets and are aligned with the planetary orbit

Now, this led early on to an image of a black hole as a strange sort of suspended-animation object, a "frozen star" with immobilized falling debris and gedankenexperiment astronauts hanging above it in eternally slowing precipitation. This is, however, not what you'd see. The reason is that as things get closer to the event horizon, they also get dimmer. Light from them is redshifted and dimmed, and if one considers that light is actually made up of discrete photons, the time of escape of the last photon is actually finite, and not very large. So things would wink out as they got close, including the dying star, and the name "black hole" is justified.

As an example, take the eight-solar-mass black hole I mentioned before. If you start timing from the moment the you see the object half a Schwarzschild radius away from the event horizon, the light will dim exponentially from that point on with a characteristic time of about 0.2 milliseconds, and the time of the last photon is about a hundredth of a second later. The times scale proportionally to the mass of the black hole. If I jump into a black hole, I don't remain visible for long.

‏¹ We are star stuff and the rings on our fingers are merging-neutron-stars stuff.

https://www.sciencedaily.com/releases/2018/12/1812031...