I'm of the opinion they should have access to absolutely nothing without a warrant issued by a judge. And that the warrant needs to be lawfully issued based on probable cause that a crime has been committed, for a specific person, to search a specific account at a specific time and place.

Back in the day this "extreme" was called the 4th Amendment to the US Constitution. But law enforcement doesn't respect the highest law of the land, and neither do the courts, and neither does the government. IMHO that makes the whole lot of them criminals.