Stars coalesce from interstellar dust, until the density/pressure/temperature are sufficient to begin fusion.
Black holes require a star of sufficient mass to ‘die’. Once the hydrogen fuel runs out, the outward pressure from the reaction drops, and the star collapses under its own gravity. A sufficient mass will continue to crush the matter – sometimes it stops at crushing when the protons & electrons are squished together, leaving a neutron star, but if more mass is present, even the neutrons are crushed, creating a black hole.
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