As I see it, nothing special happens at the event horizon of a super massive black hole except light that escapes is curved back so that it re-enters the event horizon(local observer). Most of the stuff that falls toward a black hole misses the event horizon and does a slingshot maneuver. This becomes part of the accreation disk which rotates rapidly, and chaotically both inside and outside the event horizon. I don't see how rotation, and spiraling in can be avoided. Is there a physical singularity which rotates? We may never know. My guess is there is a small, very hot and very dense core at the center of the black hole, with the matter being converted to energy by the extreme conditions, including rapid rotation. A micro black hole (if there are any) is the same except the event horizon is below the surface of the very dense, very hot core, which is smaller than a proton. Neil