Except he's made it clear he wants to take the next step, your coach and sporting director have said so. He also has 1yr left on his contract next summer which means he can sign a pre-contract agreement with any club he wants in January and leave for free if Liverkusen maintain their €100m demand. Unless you're banking your hopes on him extending his contract but that'll be unwise for someone looking to leave and uncertainties in teams finances because of covid. Chelsea now are Leverkusen’s best chance at getting anything substantial for him. Bayern will under no circumstances spend upwards of €50m on a player with 1yr on his contract when they could sign him for free in 6months, and that was before covid. Real have their own baggages to sort (Bale, Modric, James, spending 100m on Hazard, still looking at Mbappe, Bernabeau to pay for etc) They will not pay €100m for Havertz anywhere in the near future. United can't get Sancho over the line without blowing their transfer budget.
Also Havertz is a very good player but he is not in a position of need. We've not labelled him as some sort of saviour to propell us to a decade of dominance ala Sancho. We can create space for him in our attack and if we hadn't already bought two top class attacker in Werner and Ziyech I'd probably be worried, but he is clearly not our topmost priority.