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Discord’s New Age Verification uses AI and Your Face!
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I assume having your own chat room with your friends would mean self hosting?
Think of it more like Lemmy, do you need to self-host a Lemmy instance to create a post? A community? No, and the same goes for Matrix.
The only reason to self-host Matrix is if you want to. You can create chat rooms on pretty much any server you like.
I personally use Matrix.org so I can just set up a chat room and itll be hosted there. Of course if you want to self host a matrix instance for you and your friends thats an option, or some of your friends can use the self hosted instance and some other instances (Matrix is a federated protocol).
Why would you assume this? There's plenty of servers available and conversations can still be encrypted.
Voice chat is extremely lacking, though.
Lacking in what ways?