How did you install OpenCPN
Which package have you used?
There is no official release of OpenCPN
5.0 for 20.04 (focal), there is however a beta release for focal, using this repository:
1:Which display category are you using?
"User Standards Object"... this setting is only working if you use Display Category "User Standard".
No text is available if you use Display Category "Base".
Make sure that "Show Text" is activated, see picture abpve
Also make sure that Options->Charts->Vector Chart Display -> "Important text only" is not activated.
2: Please show a screen-picture of your problem.