The steps you list above are not particularly difficult, but if everyone followed them, the decentralization features might as well be redundant because we would all be on one Central set of servers.
The hard part is step 7: nobody else I know follows steps 1-6. I’m quite capable, thanks, others know matrix as a 1999 film. This isn’t even mentioning your steps remove the decentralised bit, which if you recall is the part I said made it hard to use!
As for your final quip. Gmail and Facebook flourish because those protocols are hard to use. No I don’t find them hard to use, email was my last job, web dev is my current job. It isn’t everyone’s skill set though.
I appreciate the attempt to make me out as a simpleton but mate, a chat system isn’t worth the servers it runs on if there’s nobody to talk to
Step 2: Create account
Step 3: Enter username, password and email address
Step 4: Click confirmation email
Step 5: Log in
Step 6: Share your username with others
What aspect of this is hard to use?
There's also another pair of decentralized systems you might be familiar with: email and the world-wide web. Do you think these are hard to use?