Burnwinter you're right, Havertz is worth more than £20m. In fact, with his age profile, CL winners medal and being a full fledged international international for Germany, he's automatically at least at the £40m-50m mark.
But the question is around the opportunity cost he represents.
FWIW I've defend Havertz a lot - he's a solid player but it doesn't look like we had a plan for him. I'd happily still keep him in the squad and bin Jesus