Matrix is very usable today via the Vector client (https://vector.im/). You can connect to the public server run by matrix.org, or you can run your own server that federates with all the others if you'd like to maintain ownership of your data. Matrix can also bridge to existing systems like IRC, so there isn't necessarily the need to convince your friends and family to "switch" with you. There are interoperable clients being developed for other operating systems including mobile platforms. Even with client support not all the way there yet, the spec and the system are more promising than anything else out there today.
If you're interested in Rust, you might also want to take a look at my project, Ruma (https://www.ruma.io/), which is a Rust implementation of the Matrix system. It's in very early stages, so don't expect to use it at this point, but it's progressing steadily.