On debian the config stanza by default looks like this:
# (By default, no suggestion is made, so it is left up to the client.
# This setting is ignored unless public_baseurl is also set.)
#
default_identity_server: https://matrix.org
but I couldn’t find public_baseurl being set. It’s an odd name for the variable since it seems to mean 'public_federation_baseurl??? Well,‘URL for the client API’ is what is stated in the config.
These settings are relatively new. Only in the last year did the federation identity requirement go away.
Your family is gettting along well wiht the electron client? We rejected the electron client for office use.