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We put forward an attempt towards building a possible theoretical model tounderstand the observer dependent thermalization of black hole horizon. Thenear horizon Hamiltonian for a massless, chargeless particle is $xp$ type. Thisis unstable in nature and so the horizon can induce instability in a system.The particle in turn finds the horizon thermal when it interacts with it. Weexplicitly show this in the Schrodinger as well as in Heisenberg pictures bytaking into account the time evolution of the system under this Hamiltonian.Hence we postulate that existing instability near the horizon can be one of thepotential candidates for explaining the black hole thermalization.

Is instability near a black hole key for "thermalization'' of its horizon?