Pretty much what the title asks.
What is everyone using? I'm lucky enough to have a few close friends who use Signal, though trying to get other friends/family to convert for everyday messaging has been difficult and not something I'm going to push. I like that I can use the desktop app to communicate to those who also have the app. Signal seems pretty well regarded in terms of privacy and security when compared to alternatives like WhatsApp and Telegram.
With that said, Signal is more for people I actually know as I'm not going to share my phone number with random strangers to chit-chat with.
What messaging app or service are people using for just general chit-chat?
self wrote
The Matrix federated network offers E2E encryption and has plenty of pre made extensions/bots (open sourced) so you can link other networking services to Matrix.