(I'll use US Dollars because most of us are familiar with that.)
If you have 0.1 BTC (ath 42000) and 2000 STEEM (ath 8.2), you'd be worth $20,600 if they returned to their highs (something we might expect to happen in 2021 or soon after).
At current prices, you're only worth $3570 in this example.
(I have a few dollars worth of ADA (Cardano), and 130 BAT tokens earned for allowing ads in Brave browser worth about fourty bucks, both of which I'm not even sure I have access to at this point, so I'll leave them out.)
I'm currently worth under 4000 US Dollars, but if what I'm holding returned to all-time highs, I'd have well over 100 grand worth of crypto!
And that's just the highs from 2017. The highs in 2021 (and beyond) could be significantly higher.
Also, by the time I get there, I'll have earned more crypto to add to those balances. I don't spend my crypto often, preferring to keep my crypto holdings in the crypto world. For now, I've got a few thousand worth of speculative cyber tokens. But who knows, in a year or so, I could have serious wealth to manage.
DRutter