What does it matter if it was 'wasted' or not? I assume you were in no control of your financial situation, and the past two years of everyones lives were boring. Its not like you can change the past anyways but you can choose what you do with your time going forward.. you can either spend it worrying or you can go get started on your list of things you wanted to do.
People's teenage years are rarely as fun and exciting as they're made out to be and most people have better years of their youth once they become adults. You've got a lot ahead of you, as do we all now that we're finally allowed to live our lives again. I understand that it's frustrating to lose time to the pandemic, but we just have to make the most of what we can and ignore what we can't change.
I feel the same way as you, I am 18 and will turn 19 in couple of months ( 2 months ) and I am scared as hell about this. You’re not alone… I will definitely wait for the advises and comments on your thread, I am interested in this topic.