Suppose A is someone on earth and B is someone falling towards earth. From A's perspective, B gains kinetic energy from his change in potential energy; B sees A gain kinetic energy from...? B sees A and the earth accelerating towards him, while he's stationary so where did the energy to accelerate earth and A come from?

If someone free falling in a gravitational field is the same as someone floating around nowhere near such a gravitational field, then does that mean that the two measure each other's time to pass the same? Aren't they both experiencing no acceleration (which is equivalent to gravity), so how would one objectively experience time dilation? Like someone nowhere near a black hole and someone orbiting a black hole are both free falling (no acceleration), but the one near the black hole doesn't age as much?