Hatul
Contributor
Not safe is a strange description and I'd have to say inaccurate for the vast diving population diving Cozumel.
The conditions you are describing describe most of the diving in Bonaire which is considered the shore diving capital of the world.
But I'll agree that if you can't safely dive a site, it's good to recognize your personal limitations and gain experience until you have the skills to dive safely.
If you try to do a deep shore dive there in the best case you'll get carried downcurrent and come out at another point on the coast, in the worst case you'll get carried into open sea and end up in trouble.