1. A computer-implemented method for (1) providing a plurality of security schemes, each particular security scheme requiring a number of identification information in order to authorize access to a computer system for a particular user from among a plurality of users, and (2) allowing each particular user to select a security scheme to be associated with that particular user independent of the security scheme selected by a remainder of the plurality of users of the computer system, thereby providing each particular user the ability to select their own security scheme to be used to authorize their respective access to the computer system, the method comprising: arranging at least one storage area of the computer system to include a plurality of user accounts each with a respective user storage area; prompting the particular user of the computer system for a selection of a particular security scheme from among the plurality of security schemes, wherein first of the plurality of security schemes requires a specific number of identification information to authorize the particular user, and a second of the plurality of security schemes requires additional identification information beyond that of the first scheme to authorize the particular user; storing the selection as a preference in the particular user's storage area; and thereafter authorizing the particular user to access the computer system when the selected security scheme of the particular user is satisfied.