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I run my own XMPP server. https://joinjabber.org/ has some introductory information Snickket is a all in one service you can host or your can pay them to host https://snikket.org/start/
XMPP servers and clients are a lot lighter weight than matrix, though I think matrix has more fancy features.
They're both self hostable and are federated to share the costs of running the network.
With signal there's a non-profit that needs some pretty steam funding to stay in business. (Though they're popular so maybe they can get it) https://www.pcmag.com/news/want-to-run-an-encrypted-chat-app-youll-need-50-million-signal-says