A spaceship travelling to and back from star light years away at a very high velocity would experience a time difference between the spaceship and the outside observer.

To my understanding, the time in the spaceship could be days while time to the outside observer could be decades.

If this is true, from my understanding, the closer matter with mass gets to the speed of light the greater the time fluctuation. This fluctuation becomes infinitely slow as it approaches the actual speed of light.

So the speed of matter falling into a black hole is so violent that the speed of light is actually achieved. In essence stopping time.

Does this mean that the 4 dimensional space-time of matter in the world we understand is stripped of time when falling into a black hole? And also, because time is stopped, so is its movement into the back hole, in essence stripping it from another space dimension.

This would mean that 4 dimensional information is transformed into 2 dimensional information at the event horizon.