A common problem when building Drupal sites is to somehow get rid of the login form entirely from easily accessible areas of the site. The solution to this is to manually enter the location(page callback) of the login form in your browser address bar.

http://www.mysite.com/user
if your site has clean URLs
http://www.mysite.com/?=user
if your site does not have clean URLs

Expanation:
It is canonical to create a "page callback" for any FORMS you create in Drupal, and the user login form is no exception. Here's the Drupal version 6 code(lines 898-900 in /modules/user/user.module):

  $items['user'] = array(
    'title' => 'User account',
    'page callback' => 'user_page',

The $items['user'] determines what appended to the site name invokes the form, and the 'page callback' is the invocation of the function 'user_page' in the user.pages.inc file which invokes the "user_get_form('user_login')" which gets you a name and password FORM to fill out.

You could change the $items['user'] to $items['user/help_Im_locked_out'] and then you'd have to append "?=user/help_Im_locked_out" or "user/help_Im_locked_out" to the site address to invoke the page callback.