Matrix has comprehensive encryption now and is decentralized.
All the clients suck, features are missing/buggy, nobody is sure if it is supposed to be a discord/slack or whataspp replacement, giving a half-ass implementation of both, and confusing to users security stuff(asks random users about their keys).
That being said, I still love the project and hope they sort out their UX problems.
Matrix on-boarding is more complicated and would probably require hand holding through which client and server to use.