The NSA does a lot more than just fight terrorism and of course the US invests a huge amount of money in mitigating the impact of other risks like natural disasters. They have to look at all these different threats and divvy up the money accordingly.
Sure, but there's a point where the government could go too far. For example, if the government starting having random mattress inspections inside peoples homes that would be way too intrusive despite any reductions in bedbugs that might result.