I am a new member and I joined to ask a quick question about black holes:

I read a few years back that black holes do not have to be singularities, and that even a body of water with a diameter as large as the orbit of Pluto would be a black hole.
Is this true, do black holes have to be singularities?

For example if a neutron star became large enough that an event horizon formed just outside the diameter of the neutron star then it would be a black hole without having to be a singularity.
It would seem like a coincidence if the point of collapse to a singularity also happened at the same point as an event horizon forming.

Wiki only describes black holes with singularities:

However here they say that the observable universe's mass has a Schwarzschild radius of approximately 13.7 billion light years, and the universe is not a singularity.