I use matrix. Every chat room I use is unencrypted and all have at least one matrix.org user. I assume it can be encrypted but the usability is such that in practice it's cleartext.
As a counterexample: I use Matrix along with ~30-50 people, on a federated server, and every room is encrypted. After sufficiently stressing to people that they need to save their secure backup key, we've had few problems with encryption usability.
cge|21 days ago
Arnt|20 days ago