Black hole holography and mean field evolution

Holographic theories representing black holes are expected to exhibit quantum chaos. We argue if the laws of quantum mechanics are expected to hold for observers inside such black holes, then such holographic theories must have a mean field approximation valid for typical black hole states, and for timescales approaching the scrambling time. Using simple spin models as examples, we examine the predictions of such an approach for observers inside black holes, and more speculatively inside cosmological horizons.