  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.
