As general Alexander mentioned in the 60 Minutes interview, they may collect lots of data but don't examine it or bother to look until they have a warrant or need. Kind if like what you do with your logging collection service....

NSA is known to abuse their intel for USA commercial interests (the largest published example probably is Airbus vs Boeing).

You don't have to fear them unless you're a terrorist. Or you're a member of a social organization with a somewhat similar name to a religious organization (Dr. Rahinah Ibrahim case, for example) in which case US authorities will treat your info as terrorist info. Or your partner criticizes US government (e.g. David Miranda case), in which case your communications apparently can be intercepted as well. Or your company competes with US companies. Or something else that I hadn't noticed...

I mean "may collect lots of data until they have some need to use it" is evil enough to be perceived as a hostile enemy act.