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From yesterday's 0.29 level to today's 0.21 level, let's not count from 0.20 since that was just a fleeting point. 0.29 represents a much longer window period.
0.29 - 0.21 = 0.08. Suppose you have 1,000 PI. 0.08 × 1,000 = 80U, so you lost 80U, which is roughly 560 yuan. If you managed to make a quick move during that interval, you could have earned an extra 200 yuan.
If you have 10,000 PI, the loss doubles.
If you're like me and ended up empty-handed again, congratulations, you're awesome.