Isn't It Possible to Have Supermassive Black Hole?

If you have enough stuff, like a really big blob of stuff, then it collapses fast enough. You can just form a black hole without igniting and with fusion everything. We've never proven it, and we've never seen one, but it's a theory that people can't rule out. And so id be another way to have really big black holes without ever going through this middle phase.