Palladium,
I also like GSP's simple description of what seems to be a very complicated matter.
I am not to sure about them black holes, I have never seen any of them, never seen one of them big-foots either.
I did just a little reading of the material posted above, from what little I can gather the nickel can diffuse into or even through the crystal structure of the gold, and it can do this a bit easier with the electroplated gold than it does with the electrolytes plated gold.
It also seems in electronic materials they also use a wide variety of methods to apply the gold layers or solders, electroplating, pressure bonding, sputtering, high temperature bonding, and various other means...
With each of these methods there seems to be a little bit of differences in the bonds, but it supports my suspicions of how they might occur.
My thinking here is the gold at the bonding area is not solid, unless the gold is of fairly thick layers of gold to gold crystal bonding, and at the surface where gold and nickel or the other base metal meet, the metal crystals or surface is not flat or a pure flat surface of each of these metals, some cases a mix of dendrites like a thick forest of different trees mingled together, and in some cases can be somewhat of mixture of the metals...
If also the crystals of the two metals can diffuse or even mix, so when we dissolve the base metals away we could be left with fine gold particles, especially if the gold layer is thin or depending on how it was deposited, and the structure of the crystal lattice, this makes me also think that we could actually put these fine crystals of gold into solution easier at this layer or with thinly plated gold or depending on the structure of gold and base metals, (even in a the copper II chloride leach), (as the gold at this site would already be so fine), than it would be where when the gold is solid, as it would be in the thicker part of gold to gold bond, the gold would not be as easy to dissolve such as with the thicker foils, if this is so, the portion of gold dissolved here may also form the black powder of precipitated gold, as this fine gold precipitates back out of solution later.
This may also explain what I see sometimes see when adding dilute H2O2 solution, for a brief moment I have noticed a color change that looked like the yellow color of gold being dissolved, but quickly disappears back to the familiar green color.
If the nickel can diffuse I suspect the copper may also, or other base metals, or metal oxides involved, this may explain why it seems to be a bit of a challenge to get all of the base metals dissolved away from the gold, even with material such as the foils, and depending on the materials some seem more of a challenge than others.