Ask HN: How do users log in to your site?

Hey HN, I'm working on a startup that's trying to make logging in easier and more secure. If you have a second, I'd really appreciate some quick answers to any of these questions.

What options do you currently have for user log in? How did you choose them?

Which user login option is most effective? Why?

How much money do you spend on security and keeping your users safe? Where does that money go?

What part of the login process needs the most improvement?

Describe the ideal login for your website? How much would you pay for it?

Post in the comments or email me at jpollak92-at-gmail.com. Thank you so much!