The collapse of the universe, or the end of the universe as we know it, is a concept associated with theories like the Big Crunch, where the universe could stop expanding and start contracting, possibly ending in a collapse. However, the experience of time inside a black hole is a separate and uniquely esoteric concept.
When someone approaches a black hole, especially crossing its event horizon, the laws of physics—as we perceive them—begin to behave differently due to extreme gravitational effects. Time, as experienced by the person falling into the black hole, would appear to slow down drastically compared to an outside observer. To the external observer, it would seem that anything taking place at or near the event horizon happens incredibly slowly, effectively appearing frozen in time.
If we imagine the scenario of a collapsing universe while an observer is inside a black hole, the frame of reference matters greatly. From the perspective of the person falling into the black hole, they would continue to experience time until they possibly reach the black hole’s singularity, where known physics breaks down. However, due to the extreme time dilation, they would not experience the collapse of the universe in the way an outside observer would.
For an external observer or in a hypothetical cosmological scenario where observing from within a black hole while the universe collapses is normal, the collapsing universe might appear to happen within a fraction of a moment or an incredibly elongated period depending on their understanding and depiction of time flow affected by gravitational influence.
Ultimately, the experience of time near a black hole is distorted and doesn’t correlate linearly with conventional cosmic events experienced elsewhere in the universe, showcasing the complexity and peculiarity of time and space in extreme gravitational fields.