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Not every black hole has an accretion disk, especially not isolated ones.

So the question there is if it’s worth it for us to study a naked singularity. What would it teach us?

And how do you get into orbit?

Is it worth studying?

Yes. Yes it most certainly is. Whatever we learn will be new.

Naked singularities lack event horizons, not accretion disks. By definition, black holes are not naked singularities.