The one thing nobody ever mentions about this is the Chinese connection. Zoom is 100% developed in China. They have a datacentre in tianjin. Even states in their financial papers. The S1 form that one of the risks is the fact the product is predominantly developed in China. By PRC citizens.

Encryption is also off by default? why is this?

The Zoom App also collects screenshots and transcriptions of shared data. This is fine if you are Facebook or Google.