If you're not doing anything wrong, you have nothing to hide, eh?
I'm quite confident that anything I've ever said or done would likely not be of any interest to the scanning algorithms of the NSA. And even if that were the case, if I were to choose to have someone listen to a conversation I had, I'd rather it was some anonymous person in a basement in a desert in Utah whom I will never meet, rather than any friends, family or neighbors or business associates that were not privy to the original conversation. I stand by what I said. And I'm sure that goes for most people, excluding the paranoid delusional types, which are a dime a dozen in this forum.
Please take the time to read this great blog post from Falkvinge:
http://falkvinge.net/2012/07/19/debunking-the-dangerous-nothing-to-hide-nothing-to-fear/
If you don't have time to read it, here's a wrap up:
1. You think you have nothing to hide? What if the rules/laws change ?
2. It's not you who decide if you have anything to fear from surveillance.
3. Laws need to be broken for society to evolve.
4. Privacy is a basic human need.
I completely stand by Falkvinge on this issue. The NSA, or anyone else, should not be granted authoritative access to monitor our communications. There are good tools to help you protect your privacy online. You can look into Off-The-Record (OTR) messaging for chat and GPG for e-mail. Both of these tools use strong public-key encryption schemes. Messages encrypted with these tools are believed to be secure for much longer than a lifespan.