Right, except (my lay understanding is) that would require something special to happen to infalling matter at the event horizon, though we don't have a plausible theory for what that thing is--the prevailing interpretation is that passing through the event horizon is a non-event for the observer.
On the other hand, the holographic principle says that the event horizon surface is big enough to contain all the information, so in a way of speaking we seem to be free to model black hole information as though it is "on the event horizon".
The holographic principle combined with "infinity means the theory fails" is what brought me to post my -3 voted comment. Interestingly, none of the commenters have been negative only the casual down-voters. Where's PBS Space Time when you need them?
On the other hand, the holographic principle says that the event horizon surface is big enough to contain all the information, so in a way of speaking we seem to be free to model black hole information as though it is "on the event horizon".