One fuse is for the original circuit you've tapped into. The other fuse is for the newly added accessory.
Good/safe is debatable. Some have no issues using them and are happy with a quick install.
You need to be sure whatever source you are tapping into has a sufficient supply side that will support the original load plus the new load.
It might be sufficient for a scanner, but probably not for a new transceiver.
You also need to be careful about the noise that you might let into your radio from the existing circuit. Is it a "quiet" power source, or is it something that is going to create a lot of rf interference?
As for 20 amps, if the original circuit was rated for 20 amps, then you'd probably be OK since it's just using the fuse tap. Whatever you add to the new circuit needs to be considered.
These things are really sloppy in my book. Fine for tapping an ignition sense circuit for a radio, or for some very low draw applications. It's a short cut to adding a new circuit and isn't ever going to be as good as a proper radio circuit off the battery. I don't use them, and I prefer to power radios directly off the battery.
"Your milage may vary".