Paper towel holders are sanitary when installed, but should be cleaned on a periodic basis in order to remove germs and keep the holder sanitary, especially in bathroom.

I do and I get heavy discharge I use them to protect my underwear

Absolutely not

Step 1: Take sanitary pad out of the wrapper
Step 2: Place sanitary pad, sticky side down, in your underwear.
Step 3: Pull up underwear
Change pad every few hours.

Looped sanitary towels come with a thin belt. All you have to do it loop the sanitary towel around the front and back of the belt. This allows the girls that do not like to wear underwear to continue doing so even on their period.