This is exactly the situation the fourth ammendment was intended to address. Read it lately? It places limits on government surveilance, and it does so for a reason.
For governments to perform their essential duty they need to perform surveillance on the bad guys.
This is in dispute? But what constitutes a 'bad guy'? A rather ill defined term you are using here. I would suppose that you think of yourself as being a 'bad guy' are since your financial activities, for example, are being surveiled. Why else would the government have your activities under surveilance unless at you are one of the 'bad guys'? As for me, I am not among the 'bad guys' and find it quite objectionable that everything from my banking transactions to my travel is under constant government surveilance. This is antithetical to both freedom and liberty. If you cannot understand this, then we have nothing in comon.