I have often heard the slogan that "a matrix algebra has no deformations," and I am trying to understand precisely what that means. While I would be happy with more general statements about finite-dimensional semisimple algebras over non-necessarily algebraically closed fields, I am mainly interested in the case when the base field is $\mathbb{C}$, so the question is phrased in terms of matrix algebras over $\mathbb{C}$. I will state the question in three different contexts, in increasing order of interest to me, and say what I know about each one.
Formal Deformations
A formal deformation of an associative $k$-algebra $A$ is a $k[[h]]$-bilinear multiplication on $A[[h]]$ of the form $$ a \cdot b = ab + m_1(a,b)h + m_2(a,b)h^2 + \dots $$ where the first term is given by the original multiplication on $A$. This type of deformation is connected with the Hochschild cohomology $HH^\bullet(A)$. As I understand it, for a semisimple algebra $A$, the Hochschild cohomology vanishes in degree $\ge 1$, and this implies that a matrix algebra has no deformations in the formal sense. So I guess there isn't much of a question so far.
Deformation of Structure Constants
In this context, we fix a natural number $n$ and a vector space $V$ with a fixed basis $a_1, \dots, a_n$, and we consider associative algebra structures on $V$. The structure constants of an algebra $A$ with underlying vector space $V$ with respect to this basis are the complex numbers $c_{ij}^k$ such that $$ a_i a_j = \sum_{k}c_{ij}^k a_k, $$ and these numbers clearly determine the algebra. This gives us a point in $\mathbb{C}^{n^3}$. Associativity gives us some polynomial constraints on the structure constants, so we can think of the collection of $n$-dimensional associative algebras as some kind of algebraic variety in $\mathbb{C}^{n^3}$. (I know very little algebraic geometry, so please excuse/correct me if am using the wrong terminology.) Since one can take many different bases for an algebra, this variety overcounts associative algebras.
I don't know how this is proved, but as I understand things, semisimplicity is a Zariski-open condition in the variety of associative algebra structures, so semisimplicity is preserved under small deformations, and so a small deformation of $M_n(\mathbb{C})$ is still semisimple.
Question 1
Is the property of being a matrix algebra preserved under deformation of structure constants?
Deformation of Relations
This is the most flexible setting, and the one in which I am most interested. Here we consider algebras with a fixed collection of generators and a fixed number of relations, and we allow the relations to vary smoothly. This allows the dimension of the algebra to vary as well. However, this is also the hardest notion to formalize.
An example will illustrate what I mean. Consider the family of algebras $$ A_t = \mathbb{C}[x]/(tx^2 -x),$$ where $t$ varies in $\mathbb{C}$. Clearly there is a drop in dimension at $t=0$, although generically the dimension is constant. A slightly more complicated example is given by the family $B_t$, where $$ B_t = \mathbb{C} \langle x,y \mid x^2 = y^2 = 0, \quad xy + yx = 2t \rangle.$$ In this example the dimension is constant, but at $t=0$ one has the exterior algebra $\Lambda(\mathbb{C}^2)$, while for $t \neq 0$ this is the Clifford algebra of $\mathbb{C}^2$ with respect to a nondegenerate bilinear form, and hence $B_t \simeq M_2(\mathbb{C})$ for $t \neq 0$.
Question 2
What is a good way to formalize this notion of deformation?
A first guess would be something like this: fix a space of generators $V$, a number of relations $k$, and a base manifold $M$ (in my above examples $M=\mathbb{C}$). To limit things a bit, I guess I would like to consider only quadratic-linear relations. Allowing these relations to vary means giving a smooth function $$F : M \to \mathrm{Gr}_k(\mathbb{C} \oplus V \oplus V^{\otimes 2})$$ and considering the "bundle" (sheaf?) of algebras $$ A_p = T(V)/ \langle F(p)\rangle, \quad p \in M $$ over $M$.
However, I'm not sure if that completely captures what I want. I might also insist that the projection of each $F(p)$ onto $V^{\otimes 2}$ has no kernel (which is not the case for the first example I described, but is the case for the second).
Question 3
Given the setup just described (or an appropriately modified version of your choosing), what are some conditions on $M$, $F$ such that the property "$A_p$ is a matrix algebra" is local on $M$?
For this question I am mainly interested in the cases when $M = \mathbb{R}$ or $M = \mathbb{C}$, although more general base spaces are of course interesting as well.
I have heard about something called the Azumaya locus which may be related to this, but I don't really know anything beyond the name.
I didn't realize this would be so long! If you're still with me, thanks for reading.