That is not what the law is about.

It is client side scanning embedded in the apps themselves. Each app will have to deploy their own mechanism to intercept the messages. This is not (yet) an OS level scan so there is no AI bot watching your moves on your device yet. Furthermore the AI part will run on their own servers, not on the device.

Precisely, the way it has been described, is when you hit the send button, it will the send the message in clear text to the authorities and then send the encrypted message to the recipient, hence the stupid narrative from the proponents of Chat control that it does not break encryption because it was never encrypted in the first place.

If that passes it's over for the european internet, IMO. I would just shut off all personal online devices completely and go banking and work only on a cheap Xiaomi

Matrix like most decentralized services make it possible to choose the client app. Just pick one outside of EU jurisdiction.