Commentary 1
re: The Reference Frame: The analogy between the Universe and a black hole Lubos Motl
"A black hole is defined as a region whose interior is separated by the event horizon from the exterior (because of the curvature caused by a sufficient mass, according to the rules of general relativity): a black hole is an object from which it's causally impossible to ever return to the exterior world which is why not even light is allowed to ever escape from the black hole again."
We are outside the event horizon of a black hole, but we are inside both our past particle horizon and our future event horizon. Both of these observer dependent horizons are spherical 2D surfaces (Planck length thick) and we are always at the exact center. The distance to our future spherical shell horizon is decreasing though we never reach it in finite proper time. The distance to our past horizon is increasing. Details are in Tamara Davis's 2004 PhD online.