There's no such thing. There is also no gizmo to do that while eroding Constitutional rights. The dichotomy you've set up, between survival and liberty, simply doesn't exist.
In short...to you, are the deaths of millions an acceptable collateral damage of remaining able to continue your "banking in private?" Are you willing to see entire cities disappear from the planet in your country so that your email messages are not recorded by a third party? Can you accept the loss of major Fortune 500 companies within seconds in exchange for someone taking your picture as you enter a football game. Just asking...
You speak as if having freedom (i.e. being Americans) will make those thing happen. It won't, nor will the lack of freedom prevent them.