what are you talking about? XMPP doesn’t have such a thing as default settings. It varies from client to client. There are clients which have E2EE enabled by default, clients which make it available, others that support it with a plugin and there are others that do not support E2EE.

That’s no excuse to avoid XMPP. XMPP is an open standard, the key is choosing a good implementation.

if you create a MUC in XMPP, I’m in

avoid matrix https://gitlab.com/libremonde-org/papers/research/privacy-matrix.org/-/tree/master/part1

XMPP it is.