I think about しか as a noun-ish thing meaning "more than" or "other than". (This is wrong, check aguijonazo's answer)
So,
安全な所はここしか(が)ない。
しか would be the subject.
でしか would mean something like "more than a certain state of being" (check the examples given by "naruto"). Grammatically, で is the て form of the copula as in 無事でよかった。
This is congruent with the other answer but maybe not grammatically accurate.
I don't know why が is omitted. But this also happens when しか is used as a direct object 「肉しか(を)食べてない」 giving me the idea of noun-ish thing I talked earlier. (Again check aguijonazo's answer for an explanation that accounts for these problems)
I don't think しか transforms in any of the ways you described. Problems arouse when you assume that some transformation has to be taking place.
Now if you want to take the sentence:
正しい答えはAである。
And make use of しか, then you have to consider that this sentence uses the copula である. It is saying literally that "correct answer is A". However if you simply replace ある with しかない
正しい答えはAでしかない
"Correct answer being more than A does not exist".
In the first one the verb is "to be" (copula である) and in the second is "to exist" (ない negative of ある, not the copula である as copulas cannot be negated, think about です or だ). From this grammatical distinction, connotations follow as "naruto" described them.
Just for completion:
正しい答えはAがある
"Speaking of correct answer, A exists" (remember explicit が puts emphasis in the subject and see that the verb is "to exist")
正しい答えはAしかない
"Speaking of correct answer, other than A does not exist"