XMPP leans heavily on capability negotiation and service discovery which makes it straightforward to degrade gracefully when feature mismatches occur. Matrix is significantly lacking in this regard.
Edit: now I can't stop thinking about correlation vs causation - you being under the boulder bleeding out at the same time XMPP encryption suddenly stops working.
Physical hardware certificate thinggy which got crushed?
Id rather someone be able to reach out to me with a note the chat is insecure, rather than be unreachable at all