The "Don't roll your own crypto" mantra is overly ambiguous and enforces the culture of elitism in information security. I hope that something displaces this regurgitated "advice" with something more helpful. I know Moxie's article is a few years old but it is a step in the right direction regardless. --EDIT-- I don't think I was perfectly clear in my original comment. I attempted to expand on my position in a follow…
This. The problem is that in this community you are witch-hunted if you talk about crypto and you are not a famous cryptographer. People start with the assumption that what you are saying is wrong (this is a good thing). But then many don't have the competence to judge what you are saying (no problem. we all are ignorant in many subjects). And then, they react as if you were really wrong (this is a huge problem).
I've been dealing with crypto on a near-daily basis for the last 15 years. I'm well within the top percentile of understanding of the subject, from a theoretical and practical standpoint, having worked to break cryptographic protocols for most of my life. I wouldn't trust myself to design a crypto protocol for grocery lists, let alone anything important.
This isn't false modesty or elitism or ignorance. It's recognizing that even if every smart person I know looks at it and says it's fine, it probably isn't. Crypto isn't hard to get right -- that's actually not the argument that anyone will make -- but it's impossible to know if you did get it right or not.
You do not have the knowledge required to build safe cryptographic protocols. Neither does anyone else on this site.