when you first boot, and you're greeted with the warm glow of a black screen and flashing prompt, what program is that? What program handles evaluation of the credentials? Or rather, what component of the source code is it? I may be confusing myself, but I think the various user shells are loaded after user authentication.
... which might mean that bash is launched in single user mode, then bash checks credentials & launches a user shell? (I think this is how it works)
(Im interested in adding a feature to the credential checking process, but I'm looking at bash source code, and I'm not sure where to begin. )