What's Correct?

Assume a black hole is stable above twice the mass of the sun. Our Milky Way has 150 billion suns. The potential energy at the Schwarzschild radius of a test mass is 1/2 of its equivalent mass. So, if two suns collapse to form a black hole, that would be 1/4 of their total mass. I repeat this process for the resulting black holes until only one remains. The logarithm of 160 billion is 40. 1/4 times 40 is 10. That would be exactly the mass ratio that astronomers observe for the amount of dark matter to ordinary matter.
But there's a problem with this. If you drop a test mass into a black hole, you only get 1/2 of its Newtonian equivalent mass up to the Schwarzschild radius.This creates a commutative problem compared to the process described previously.
The obvious explanation is the assumption that mass at the Schwarzschild radius of a massive black hole still possesses potential energy, based on the linear relationship between the Schwarzschild radius and the black hole's mass.

Ludwig Resch