If more than one of expenditure, storage or service continuity are a concern, I'd strongly recommend against Matrix, at least a self-hosted one. It's one of those nu-protocols that's quite resource intensive compared to perfectly serviceable alternatives from the '90s or '00s. I'd instead recommend something based on XMPP, such as a Prosody / Snikket server (with the advice that you'll have to configure some more stuff for privacy). Client apps on Android and web at least are also readily available.
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