Holographic Theory

I now that a lot of effort is being put into
Holographic Theory these days. Stephen
Hawking recently jumped on the bandwagon.
t'hooft, Susskind and many others that I respect
intellectually are working on it. I have some real
problems with it.
The information being encoded on or near the
horizon means absolutely nothing and a
Holographic Horizon is not conserving
information. There is still stuff that goes into the
black hole and then disappears. The information
is just how the stuff that goes inside is
described. It is the stuff that is important, not
how to describe the stuff. Any theory that
suggests stuff goes into a black hole, then the
Hawking Radiation makes the stuff disappear is
wrong. It is horribly bad.
What is wrong with it and every other version of
the holographic theory is that stuff falls in and
then disappears. Information is just yes/no
questions about the stuff. It is the stuff that is
important, not the information about the stuff. It
is like saying, it is OK for me to steal your car
because I left you the schematics of your
car.Since all the information is there, it is the
same
as the car.