Sorry, but if you don't know anything about cryptography, you shouldn't be allowed to have any strong opinions on what's safe and what's not. This not to insult you, but to protect you from yourself - it's quite common for people to start rolling their own crypto because they don't understand crypto in the first place, and they think that their solutions are safer than industry standards. You should really read a few books about cryptography and read some quality discussions on the Internet (crypto stackexchange and /r/crypto are great places, for starters).