The standard model of cosmology assumes that our Universe began 14 Gyrs (billion years) ago with a hot Big Bang expansion out of nothing. It can explain a vast range of different astrophysical data from a handful of free cosmological parameters. However successful this model is, we have no direct evidence or fundamental understanding of some key assumptions: low entropy start, Inflation, Dark Matter and Dark Energy. Here we present a simpler and more physical explanation for the same observations that do not require such assumptions or new laws of Physics. It is based on the evidence that we live inside a Black Hole (BH) of mass $ M \simeq 5 \times 10^{22} M_{\odot}$, which we observed as cosmic acceleration. How did the Big Bang end up inside such a BH? We propose that 25 Gyrs ago, a very low density dust cloud collapsed and form such BH. As there was no pressure support, the collapse continued inside until it reached neutron energy densities (GeV). Causal regions of solar mass size rebound by neutron degeneracy, like a supernovae, producing the Big Bang expansion and compact dark matter remnants. During collapse, perturbations exit the horizon to re-enter during expansion, given rise to the observed universe. We review the evidence for such BH Universe.