Fair enough, I guess we just see things differently.
Yeah, Sancho and Havertz have quality right now, but United and Chelsea paid the big money because of the players they think they can become, not the players they were at the time of the purchase. They were 21 with limited experience.
He struggled last season, of course and fell below even the more basic expectations at times (there were some extenuating circumstances that has been rehashed in the Havertz thread many times) but as you say, he found form at the right time last season and wrote himself into Chelsea history and he's been in sparkling form for like 2 months now since the turn of the year.
The whole reason I responded to you was because you included him in a list of wasted money when, from what it sounds like, you don't really believe that yourself.