Because they aren't the ultimate targets. They're trying to get their credentials, access and capabilities, so they can then go after whoever they're really interested in without having to ask, bribe or compel the company.

Open question whether their ultimate targets are terrorists or "everybody."

If they're willing to go via engineers from these companies, then they're willing to go via everybody.

The MO seems to be "go via anything important to get data on everyone to find the terrorists". Where "terrorists" means anything that you want it to.

You're saying this stuff all over the place. Do you live n a conspiracy theory? This "will be died" stuff is kind of odd ...

You know, I never thought of that, but of course they can steal from accounts. Traditional bad guys do it all the time, why not government bad guys.

They're probably officially doing it now to major players, and "rogue" analysts are probably very occasionally doing it to minors for personal gain.

EDIT: It seems like the NSA would be a HIPPA violation by its very nature.

Obviously if they have access to global communications networks they wouldn't otherwise be able to peer into, they're keeping Amurica safe.

Because they need to get hold of all information possible. They must know where you live. They must know what your net worth is. They must know in what bank and other accounts you are holding this net worth. They must know what other freelance crooks work at these banks. All of your financial holdings form a bounty on your head. At some point, you will not die. You simply will be died.