Thinking about the universe as a massive black hole, whereas black holes are a concept that is still not entirely known makes thinking about this subject highly speculative. This list only adds salt to that wound: http://en.wikipedia.org/wiki/List_of_unsolved_problems_in_ph...

But to me Black Holes are spinning L-Systems which distribute information in the universe instantly by quantum teleportation. This is much simpler than other existing theories which leave open question like: http://en.wikipedia.org/wiki/Black_hole#Open_questions

Take this information with caution, but these paper supports such possibility:

http://arxiv.org/abs/quant-ph/0310003

http://arxiv.org/abs/0910.1715

http://iopscience.iop.org/0264-9381/25/7/075011

It simultaneously explains why Quantum fluctuations [1] as described by Werner Heisenberg's famous "Uncertainty Principle" occur.

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[1] http://en.wikipedia.org/wiki/Quantum_fluctuation

Wasn't it the other way round? That black holes have maximum entropy, not minimal entropy?