* NSA (or some other USG agency) issues a directive to the provider under authorization from FISA. No court order is required for NSA to issue directives under FISA.
* If the provider is Google, Yahoo, or Facebook†, that directive is reviewed manually by the provider.
* In at least the case of Yahoo, where this step is supported by court documents, but probably all the other cases too based on provider public statements, the provider has the option of refusing to comply with the directive, at which point they send lawyers to FISC.
* For all intents and purposes USG never loses at FISC.
* Some process happens at the provider in which data pertaining to the directive is collected, marshalled into some kind of bundle, and placed on a secure drop box server ("similar to an FTP server"); it is NSA's access to these servers that "PRISM" refers to.
If you're telling me that this is the understanding most HN people have about what "direct access" means, I'd direct your attention to this very thread to rebut that argument. I'm accused upthread of "mincing words" but would respond by arguing that any attempt to characterize the process in this post as "direct access" is a much finer mince; a brunoise of words, if you will.
† Because those providers have publicly stated that.