I'd say Binance is about as safe an exchange as you're going to find, but I still wouldn't trust them (or any crypto exchange) completely, and that's just based on the history of hacks and various other disasters that have befallen exchanges. If you're going to try to earn some passive income with them, I would probably only risk a relatively small amount.
They are probably more prone to hacking since they are on the top of the exchanges and currently having more power towards the crypto space. It’s going to be hard to profit continuously if you only have a relatively small amount of capital in the exchange, it's going to be a risk.
I've never even heard of crypto.com, but my high level of ignorance is due to the fact that I don't do a lot of trading.
It's okay, I'm pretty recent in learning about it too, and the group that I discovered it on is not a trading group. Someone just asked about how they can use crypto for online transactions, and one member suggested it. There's a referral fee too.